243 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 243 E Church St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 1,680 sqft · built 1898
Lot Size	0.07 acres (3,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (May 2023)
Tax Bill	$9,450 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-116626`

Property Details

APN / Parcel Number

Primary APN	`02-116626`
Alternative APNs	`2116626` `116626`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	3,045 sqft (0.07 acres)
Lot Dimensions	203 ft deep x 15 ft wide
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	116626
Street Address	243 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5405
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 15 X 203 243 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	243
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2009
Census Tract	750200

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
Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

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 August 7, 2026

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 E CHURCH ST, FREDERICK, MD 21701-5405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Prior Sale	Jan 7, 2016 · Amount on Record
Deed Book / Page	16421 / 500
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 1, 2023
Property Address	243 E CHURCH ST, FREDERICK, MD 21701-5405
Document Number	0164210500
Book / Page	16421 / 500
Instrument Date	Apr 24, 2023
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	243 E CHURCH ST, FREDERICK, MD 21701-5405

Mortgage

Document Number	0016421508
Date	May 1, 2023
Instrument	16421/508

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$545,500 (+17.46%)	$583,300 (+10.77%) Land $223,300 Building $360,000
2025	$9,450.00 (+12.02%)
2023	$8,436.00	$464,400	$526,600 Land $172,600 Building $354,000

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	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jun 1996 · 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	Not rated no burnable land within 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 585 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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