321 S Market St, Frederick, MD 21701 Property Records

Frederick County property record for 321 S Market St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 1,185 sqft · built 1865
Lot Size	0.058 acres (2,560 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Sep 2020)
Tax Bill	$5,386 (2023)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-111810`

Property Details

APN / Parcel Number

Primary APN	`02-111810`
Alternative APNs	`2111810` `111810`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,185 sqft Total Area
1st Floor Area	530 sqft
Attic Area	260 sqft

Exterior

Year Built	Built 1865
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Metal
Lot Area	2,560 sqft (0.058 acres)
Lot Dimensions	160 ft deep x 16 ft wide
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	111810
Old Parcel Number	2111810
Street Address	321 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 16 X 160 321 S. MKT. ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	321
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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	321 S MARKET ST, FREDERICK, MD 21701-6544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed, Transfer · Conventional Mortgage NFM INC
Mar 17, 2017	Intrafamily Transfer, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Mar 17, 2017 · Amount on Record
Deed Document Number	0014035228
Deed Book / Page	14035 / 228
Record Updated	Jun 7, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 2, 2020
Property Address	321 S MARKET ST, FREDERICK, MD 21701-6544
Document Number	0140350228
Book / Page	14035 / 228
Instrument Date	Aug 25, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	UNITED TITLE SERVICE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 S MARKET ST, FREDERICK, MD 21701-6544

Mortgage

Document Number	14035234
Date	Sep 2, 2020
Instrument	14035/234

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 17, 2017
Property Address	321 S MARKET ST, FREDERICK, MD 21701-6544
Document Number	0117200184
Book / Page	11720 / 0184
Instrument Date	Feb 21, 2017
Instrument	11720-0184
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$1,512.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S MARKET ST, FREDERICK, MD 21701-6544

Mortgage

Document Number	117200188
Date	Mar 17, 2017
Instrument	11720-0188

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$5,386.00 Homeowner's exemption	$310,133	$355,400 Land $125,600 Building $229,800

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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