323 Madison St, Frederick, MD 21701 Property Records

Frederick County property record for 323 Madison St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,440 sqft · built 1860
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Sep 2022)
Tax Bill	$7,389 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-065428`

Property Details

APN / Parcel Number

Primary APN	`02-065428`
Alternative APNs	`2065428` `065428`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	150 ft deep x 20 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	065428
Street Address	323 MADISON ST
City	FREDERICK
State	MD
Zip	21701-6317
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	P/O LT 20 20 X 150 323 MADISON ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	21
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
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 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 Individual Names on File
Mailing Address	3446 SUGARLOAF PKWY, FREDERICK, MD 21704-7936
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed, Transfer · Conventional Mortgage PNC BANK NA
Aug 12, 2021	Deed, Transfer · Commercial Mortgage BRISA FUND LLLP
Jul 12, 2021	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2022 · Amount on Record
Deed Sale	Sep 14, 2022 · Amount on Record
Prior Sale	Sep 13, 2022 · Amount on Record
Deed Book / Page	16132 / 345
Transfer Doc	0000003022
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 14, 2022
Property Address	323 MADISON ST, FREDERICK, MD 21701-6317
Document Number	0161320344
Book / Page	16132 / 344
Map Reference	LB AF 5 FO 746
Instrument Date	Sep 13, 2022
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,175.00
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	3446 SUGARLOAF PKWY, FREDERICK, MD 21704-7936

Mortgage

Document Number	0016132348
Date	Sep 14, 2022
Instrument	16132/348

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 12, 2021
Property Address	323 MADISON ST, FREDERICK, MD 21701-6317
Document Number	0151880441
Book / Page	15188 / 441
Map Reference	LB AF 5 FO 746
Instrument Date	Aug 6, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$890.00
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 in Severalty
Address	9905 FOUNDERS WAY, DAMASCUS, MD 20872-2900
Mail Care Of	GARY LAIOS

Mortgage

Document Number	0015188446
Date	Aug 12, 2021
Instrument	15188/446

Lender

Name	BRISA FUND LLLP
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	FREDERICK MD
Recording Date	Jul 12, 2021
Property Address	323 MADISON ST, FREDERICK, MD 21701-6317
Document Number	0150810070
Book / Page	15081 / 70
Instrument Date	May 28, 2021
Transaction Type	Foreclosure
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$337.30
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2806 REYNOLDA RD # 208, 208, WINSTON SALEM, NC 27106-3102

Tax Assessment & Valuation

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

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
2026		$419,300 (+4.83%)	$457,900 (+14.48%) Land $162,500 Building $295,400
2025	$7,389.00 (+3.13%)	$400,000 (+7.43%) Land $122,500 Building $277,500	$400,000 (-) Land $122,500 Building $277,500
2024	$7,165.00 (+5.66%)
2023	$6,781.00	$372,333	$400,000 Land $122,500 Building $277,500

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	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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