Frederick County property record for 309 W 2nd St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,300 sqft · built 1934 |
| Lot Size | 0.271 acres (11,820 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $16,938 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-098555 |
| Primary APN | 02-098555 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,300 sqft Living Area |
| Gross Area | 3,318 sqft |
| 1st Floor Area | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | 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 | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 492 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Account Number | 098555 |
|---|---|
| Street Address | 309 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 #5 60 X 197 309 W. 2ND ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 750600 |
Source: Frederick County records · APN 02-098555
Assessment roll updated August 7, 2026 · Last verified August 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 | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 28, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jun 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| May 22, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 06, 2024 |
| Transfer Doc | 0170300362 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2021 |
| Title Company | UNITED SHORE FINCL SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0136150043 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 13615/43 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 28, 2021 |
| Property Address | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 0149390340 |
| Book / Page | 14939 / 340 |
| Map Reference | MB EGH 2 FO 3 |
| Instrument Date | May 17, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PROPERTY TITLE & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 14939344 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 14939/344 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 0130500445 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2019 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PROPERTY TITLE & ESCROW LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 309 W 2ND ST FREDERICK MD 217014916, FREDERICK, MD 21701-4916 |
| Document Number | 0130500445 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 013050/000445 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 309 W 2ND ST, FREDERICK, MD 21701-4916 |
| Document Number | 0118820417 |
| Book / Page | 011882 / 000417 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | DATA SEARCH INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 309 W 2ND ST FREDERICK MD 217014916, FREDERICK, MD 21701-4916 |
| Document Number | 0118820417 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 011882/000417 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $958,200 (+3.8%) | $1,028,400 (+11.41%) Land $393,600 Building $634,800 | |
| 2025 | $16,938.00 (+7.82%) | $923,100 (+18.12%) Land $305,400 Building $617,700 | $923,100 (-) Land $305,400 Building $617,700 |
| 2024 | $15,709.00 (+11.12%) | ||
| 2023 | $14,137.00 | $781,500 | $923,100 Land $305,400 Building $617,700 |
Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 571 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FREDERICK serves 54,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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