Frederick County property record for 323 Market St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,352 sqft · built 1865 |
| Lot Size | 0.066 acres (2,871 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,156 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-049589 |
| Primary APN | 02-049589 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 676 sqft |
| 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 | 2,871 sqft (0.066 acres) |
| Lot Dimensions | 159 ft deep x 18 ft wide |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 049589 |
|---|---|
| Street Address | 323 MARKET ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DR |
| Legal Description | LT 18 X 159 1/2 323 S. MKT. ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 323 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 750300 |
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.
323 Market St, a townhouse, is owned and occupied by an individual who acquired it in November 2006.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 S MARKET ST, FREDERICK, MD 21701-6544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2006 |
| Deed Sale | Nov 3, 2006 |
| Deed Document Number | 200667533 |
| Deed Book / Page | 6302 / 682 |
| Prior Transfer Date | Oct 27, 2006 |
| Prior Transfer Doc | 0063020682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 323 S MARKET ST, FREDERICK, MD 21701-6544 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 323 S MARKET ST, FREDERICK, MD 21701-6544 |
| Document Number | 0154780002 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 15478/2 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 323 Market St was $4,156 with a homeowner's exemption, up 4.6% from the year before.
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 | $341,900 (+6.88%) | $385,900 (+20.63%) Land $188,700 Building $197,200 | |
| 2025 | $4,156.00 (+4.63%) Homeowner's exemption | $319,900 Land $128,700 Building $191,200 | $319,900 Land $128,700 Building $191,200 |
| 2024 | $3,972.00 (+7.26%) | ||
| 2023 | $3,703.00 Homeowner's exemption | $281,433 | $319,900 Land $128,700 Building $191,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 Market St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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.
The area around 323 Market St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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