Frederick County property record for 3509 Urbana Pike, Frederick, MD 21704
| Property Type | Commercial |
|---|---|
| Details | 2 ba · 2,116 sqft · built 1880 |
| Lot Size | 0.386 acres (16,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,064 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-211112 |
| Primary APN | 07-211112 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,116 sqft Gross Area |
| 1st Floor Area | 1,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,800 sqft (0.386 acres) |
| Garage Type | Detached |
| Garage Area | 1,822 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 242 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 211112 |
|---|---|
| Street Address | 3509 URBANA PIKE |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7741 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | VC |
| Legal Description | LOT 16,800 SQ. FT. E/S R.355 |
| Legal Subdivision | PLEASANT PROSPECT |
| Legal Lot Number | 16 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 752206 |
3509 Urbana Pike, a commercial property, is owned by two individuals.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3509 URBANA PIKE, FREDERICK, MD 21704-7741 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3509 URBANA PIKE, FREDERICK, MD 21704-7741 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0175730202 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 17573/202 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 18, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3509 Urbana Pike was $5,064.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $453,867 | $505,400 Land $201,600 Building $303,800 | |
| 2025 | $5,064.00 | ||
| 2023 | $4,121.00 | $339,000 | $350,800 Land $132,400 Building $218,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3509 Urbana Pike in Zone X, an area of minimal flood risk.
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 |
| 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 risk around 3509 Urbana Pike is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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