324 S Jefferson St, Frederick, MD 21701 Property Records

Frederick County property record for 324 S Jefferson St, Frederick, MD 21701

Property Summary

Property Type	Commercial
Details	2 ba · 1,620 sqft · built 1947
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,000 (Feb 2024)
Tax Bill	$5,400 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-094975`

Property Details

APN / Parcel Number

Primary APN	`02-094975`
Alternative APNs	`2094975` `094975`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Gross Area
1st Floor Area	696 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	120 ft deep x 45 ft wide
View / Lot	Commercial/Industrial
Porch	Enclosed Porch
Porch Area	36 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	094975
Street Address	324 S JEFFERSON ST
City	FREDERICK
State	MD
Zip	21701-6286
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	PB
Legal Description	LT 9 B A 45X120 324 S. JEFF. ST. FREDERICK
Legal Subdivision	SOUTH CATOCTIN PARK
Legal Block	A
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3002
Census Tract	765100

Owner

Source: Frederick County records, as of April 24, 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 Record
Mailing Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Warranty Deed, Transfer · Loan Assumption PENNYMAC LOAN SERVICES LLC
Dec 30, 2021	Deed, Transfer · FHA Mortgage MCLEAN MORTGAGE CORP
May 24, 2018	Deed, Transfer · Commercial Mortgage UNITED BANK
Oct 31, 2017	Deed, Transfer · ARM THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Dec 30, 2021 · Amount on Record
Deed Book / Page	16775 / 420
Prior Transfer Date	Jan 18, 2012
Prior Transfer Doc	0087200436
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 28, 2024
Property Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286
Document Number	0167750420
Book / Page	16775 / 420
Map Reference	MB 3 FO 16
Instrument Date	May 12, 2023
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$807.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18007 COTTAGE GARDEN DR, GERMANTOWN, MD 20874-5809

Mortgage

Document Number	0016775429
Date	Feb 28, 2024
Instrument	16775/429

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Loan Assumption
Amount	Amount Recorded

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 30, 2021
Property Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286
Document Number	0156210360
Book / Page	15621 / 360
Map Reference	MB 3 FO 16
Instrument Date	Dec 17, 2021
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	NOT AVAILABLE, VIRTUAL TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
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	324 S JEFFERSON ST, FREDERICK, MD 21701-6286

Mortgage

Document Number	0015621366
Date	Dec 30, 2021
Instrument	15621/366

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 24, 2018
Property Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286
Document Number	0124300302
Book / Page	12430 / 0302
Map Reference	MB3 PG16
Instrument Date	May 2, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1927 CROSSING STONE CT, FREDERICK, MD 21702-6100

Mortgage

Document Number	0012430308
Date	May 24, 2018
Instrument	12430/308

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 31, 2017
Property Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286
Document Number	0121070022
Book / Page	12107 / 0022
Map Reference	MB3 PL16
Instrument Date	Jul 31, 2017
Instrument	12107-0022
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	UNITED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 S JEFFERSON ST, FREDERICK, MD 21701-6286

Mortgage

Document Number	121070029
Date	Oct 31, 2017
Instrument	12107-0029

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$330,600 (+32.74%) Land $145,000 Building $185,600	$330,600 (-) Land $145,000 Building $185,600
2024	$5,400.00 (+33.96%)
2023	$4,031.00 Homeowner's exemption	$249,067	$330,600 Land $145,000 Building $185,600

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

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 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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