2778 Lynn St, Frederick, MD 21704 Property Records

Frederick County property record for 2778 Lynn St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,832 sqft · built 1969
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on File
Last Sale	$542,000 (Mar 2026)
Tax Bill	$4,887 (2025)
Deeds & Mortgages	Mar 2026 Sale Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-208405`

Property Details

APN / Parcel Number

Primary APN	`07-208405`
Alternative APNs	`7208405` `208405`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,832 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,232 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	54,014 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	208405
Street Address	2778 LYNN ST
City	FREDERICK
State	MD
Zip	21704-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT #1, BLK. H. 1.24 NW/S LYNN STREET SUGARLOAF ESTS
Legal Subdivision	SUGARLOAF ESTATES
Legal Block	H
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1015
Census Tract	752201

Owner

2778 Lynn St is owned and occupied by two individuals who bought it in March 2026.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2778 LYNN ST, FREDERICK, MD 21704-8001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed, Transfer STRATEGIC NATIONAL TITLE GROUP, STRATEGIC NATL TTL GROUP LLC
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 18, 2020	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2026 · Amount on File
Deed Sale	Mar 18, 2026 · Amount on File
Prior Sale	Feb 18, 2020 · Amount on File
Deed Book / Page	17772 / 496
Transfer Doc	0000008933
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 18, 2026
Property Address	2778 LYNN ST, FREDERICK, MD 21704-8001
Document Number	0177720496
Book / Page	17772 / 496
Map Reference	MB 5 PG 111
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	STRATEGIC NATIONAL TITLE GROUP, STRATEGIC NATL TTL GROUP LLC

Transaction

Amount	Amount on Record
Tax	$2,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2778 LYNN ST, FREDERICK, MD 21704-8001

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2778 LYNN ST, FREDERICK, MD 21704-8001
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2778 LYNN ST, FREDERICK, MD 21704-8001

Mortgage

Document Number	0161710235
Date	Oct 11, 2022
Book Page	16171/235

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Aug 21, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 18, 2020
Property Address	2778 LYNN ST, FREDERICK, MD 21704-8001
Document Number	0135320175
Book / Page	13532 / 0175
Map Reference	MB 5 PG 111
Instrument Date	Jan 16, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CERTIFIED TITLE CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2778 LYNN ST, FREDERICK, MD 21704-8001
Investor	Possibly a Property Investor

Mortgage

Document Number	135320181
Date	Feb 18, 2020
Instrument	13532/0181

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2778 Lynn St was $4,887, up 6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$477,967 (+6.23%)	$506,000 (-) Land $226,900 Building $279,100
2025	$4,887.00 (+6.03%) Homeowner's exemption	$449,933	$506,000 Land $226,900 Building $279,100
2024	$4,609.00 (+8.68%)
2023	$4,241.00 Homeowner's exemption	$385,900	$421,900 Land $171,800 Building $250,100

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

Flood

FEMA maps place 2778 Lynn St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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

Wildfire risk around 2778 Lynn St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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