243 Center St, Frederick, MD 21701 Property Records

Frederick County property record for 243 Center St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,976 sqft · built 1865
Lot Size	0.073 acres (3,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Feb 2020)
Tax Bill	$5,462 (2023)
Deeds & Mortgages	Nov 2019 Mortgage Feb 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-119579`

Property Details

APN / Parcel Number

Primary APN	`02-119579`
Alternative APNs	`2119579` `119579`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,976 sqft Total Area
Gross Area	1,964 sqft
1st Floor Area	968 sqft

Exterior

Year Built	Built 1865
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Metal
Lot Area	3,200 sqft (0.073 acres)
Lot Dimensions	80 ft deep x 80 ft wide
Porch	Open Porch
Porch Area	78 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	119579
Old Parcel Number	2119579
Street Address	243 CENTER ST
City	FREDERICK
State	MD
Zip	21701-6392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DR
Legal Description	LOT 243 3,200 SQ FT FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	243 26
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
Census Tract	750300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Frederick County records, as of September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	243 CENTER ST, FREDERICK, MD 21701-6392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Feb 24, 2020	Grant Deed, Transfer · Conventional with PMI NAVY FCU
Aug 7, 2018	Deed, Transfer · Conventional Mortgage M & T BANK
Aug 8, 2018	Grant Deed, Transfer EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC
Nov 3, 2017	Grant Deed, Transfer DUNN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	0001354665
Deed Book / Page	13546 / 65
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	243 CENTER ST, FREDERICK, MD 21701-6392
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133300301
Date	Nov 8, 2019
Book Page	13330/0301

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 24, 2020
Property Address	243 CENTER ST, FREDERICK, MD 21701-6392
Document Number	0135460065
Book / Page	013546 / 000065
Instrument Date	Jan 29, 2020
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	243 CENTER ST FREDERICK MD 217016392, FREDERICK, MD 21701-6392

Mortgage

Document Number	135460074
Date	Feb 24, 2020
Book Page	013546/000074

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 7, 2018
Property Address	243 CENTER ST, FREDERICK, MD 21701-6392
Document Number	0125560033
Book / Page	12556 / 0033
Map Reference	MB100 PL112
Instrument Date	Jul 30, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EXCALIBUR TITLE AND ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 CENTER ST, FREDERICK, MD 21701-6392

Mortgage

Document Number	0001255640
Date	Aug 7, 2018
Instrument	12556/40

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 8, 2018
Property Address	243 CENTER ST, FREDERICK, MD 21701-6392
Document Number	0125580262
Book / Page	012558 / 000262
Instrument Date	Jul 30, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$26.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 CENTER ST FREDERICK MD 217016392, FREDERICK, MD 21701-6392

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 3, 2017
Property Address	243 CENTER ST, FREDERICK, MD 21701-6392
Document Number	0121150129
Book / Page	012115 / 000129
Instrument Date	Sep 13, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	DUNN TITLE

Transaction

Amount	Amount Recorded
Tax	$181.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	24312 CLEMATIS DR GAITHERSBURG MD 208823816, GAITHERSBURG, MD 20882-3816

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,462.00 Homeowner's exemption	$436,333	$478,600 Land $123,000 Building $355,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2000)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2000 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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