Frederick County property record for 305 W 2nd St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,724 sqft · built 1927 |
| Lot Size | 0.271 acres (11,820 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $956,000 (Jul 2019) |
| Tax Bill | $17,917 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-113600 |
| Primary APN | 02-113600 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,724 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Basement Area | 304 sqft |
| Finished Basement | 304 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Slate |
| Lot Area | 11,820 sqft (0.271 acres) |
| Lot Dimensions | 197 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Account Number | 113600 |
|---|---|
| Street Address | 305 W 2ND ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LT 60 X 197 305 W. 2ND ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 305 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 750600 |
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.
Source: Frederick County assessment roll, 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 Company Names on File |
|---|---|
| Mailing Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 29, 2023 | Intrafamily Transfer, Transfer |
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 19, 2019 | Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2019 · Amount on Record |
| Deed Sale | Jul 19, 2019 · Amount on Record |
| Prior Sale | Apr 19, 2000 · Amount on Record |
| Deed Book / Page | 13095 / 197 |
| Last Transfer Date | Jun 21, 2023 |
| Transfer Doc | 0165010120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 29, 2023 |
| Property Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 0165010120 |
| Book / Page | 16501 / 120 |
| Map Reference | MB EGH 2 PG 3 |
| Instrument Date | Jun 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0148990288 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 14899/288 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 19, 2019 |
| Property Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 0130950197 |
| Book / Page | 13095 / 0197 |
| Map Reference | MB EGH 2 PG 3 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,390.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 305 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 130950205 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 13095/0205 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,327,033 (+4.17%) | $1,433,300 (+12.51%) Land $393,600 Building $1,039,700 | |
| 2025 | $17,917.00 (+4.92%) Homeowner's exemption | $1,273,900 (+21.96%) Land $305,400 Building $968,500 | $1,273,900 (-) Land $305,400 Building $968,500 |
| 2024 | $17,077.00 (+7.35%) | ||
| 2023 | $15,908.00 (+5.69%) Homeowner's exemption | $1,044,500 (+12.34%) | $1,273,900 (+37.01%) Land $305,400 Building $968,500 |
| 2022 | $15,052.00 Homeowner's exemption | $929,800 Land $305,400 Building $624,400 | $929,800 Land $305,400 Building $624,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1998–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 571 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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