309 S Market St, Frederick, MD 21701 Property Records

Frederick County property record for 309 S Market St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 1,936 sqft · built 1865
Lot Size	0.081 acres (3,520 sqft)
Owner	Individual Name on Record
Tax Bill	$5,316 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-064618`

Property Details

APN / Parcel Number

Primary APN	`02-064618`
Alternative APNs	`2064618` `064618`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,936 sqft Living Area
1st Floor Area	968 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	3,520 sqft (0.081 acres)
Lot Dimensions	160 ft deep x 22 ft wide
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	064618
Street Address	309 S MARKET ST
City	FREDERICK
State	MD
Zip	21701-6544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 22 X 160 309 S. MKT. ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	309
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2008
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 January 16, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	309 S MARKET ST, FREDERICK, MD 21701-6544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2005
Deed Sale	Feb 25, 2005
Prior Sale	Nov 2, 1984 · Amount on Record
Deed Document Number	200551341
Deed Book / Page	5155 / 737
Last Transfer Date	Jan 12, 2021
Transfer Doc	0147370200
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	309 S MARKET ST, FREDERICK, MD 21701-6544
Transaction Type	Mortgage
Record Updated	Apr 25, 2023
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0163750342
Date	Mar 27, 2023
Book Page	16375/342

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Aug 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 5, 2021
Property Address	309 S MARKET ST, FREDERICK, MD 21701-6544
Document Number	0147370200
Book / Page	14737 / 200
Instrument Date	Jan 12, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9022 OLD HAGERSTOWN RD, MIDDLETOWN, MD 21769-8911

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$318,400 (+14.48%) Land $135,200 Building $183,200	$318,400 (-) Land $135,200 Building $183,200
2024	$5,316.00 (+7.05%)
2023	$4,966.00 Homeowner's exemption	$278,133	$318,400 Land $135,200 Building $183,200

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	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 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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