400 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 400 E Church St, Frederick, MD 21701

Property Summary

Property Type	Apartments (5+ Units)
Details	78,460 sqft · built 1850
Lot Size	2.67 acres (116,305 sqft)
Owner	Company Name on Record
Last Sale	$3,503,172 (Dec 2019)
Tax Bill	$52,839 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2022 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`02-129205`

Property Details

APN / Parcel Number

Primary APN	`02-129205`
Alternative APNs	`2129205` `129205`

Interior

Units	83 Units
Stories	2 Stories
Building Area	78,460 sqft Living Area
Gross Area	78,616 sqft
1st Floor Area	78,460 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	116,305 sqft (2.67 acres)
View / Lot	Commercial/Industrial
Porch	Enclosed Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	129205
Street Address	400 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-6923
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	M1
Legal Description	2.67 ACRES EAST CHURCH ST FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2018
Census Tract	772200

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
Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

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 August 4, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1888 MAIN ST, C163, MADISON, MS 39110-6337
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE MID ATLANTIC FOUNDATION
Sep 30, 2022	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY DEVELOPMENT ADMINISTRATION
Mar 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL ONE BANK NA
Mar 18, 2020	Deed of Trust, Mortgage FREDERICK COUNTY
Mar 1, 2020	Deed of Trust, Mortgage COMMUNITY DEV COMMISSION
Dec 10, 2019	Special Warranty Deed, Transfer · Commercial Mortgage ENTERPRISE COMMUNITY LOAN FUND INC
Feb 28, 2018	Deed of Trust, Mortgage CAPITAL BK
Mar 9, 2018	Grant Deed, Transfer GREAT JONES CAP II LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2019 · Amount on Record
Deed Sale	Dec 10, 2019 · Amount on Record
Prior Sale	Mar 9, 2018 · Amount on Record
Deed Book / Page	13391 / 455
Prior Transfer Date	Dec 6, 2011
Prior Transfer Doc	0086510289
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1888 MAIN ST C163, C163, MADISON, MS 39110-6337

Mortgage

Document Number	0155450072
Date	Dec 7, 2021
Book Page	15545/72

Lender

Name	THE MID ATLANTIC FOUNDATION
Type	Non-Lending Institution
Address	GOLDSBORO, NC 27533

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1888 MAIN ST C163, C163, MADISON, MS 39110-6337

Mortgage

Document Number	0161590061
Date	Sep 30, 2022
Book Page	16159/61

Lender

Name	COMMUNITY DEVELOPMENT ADMINISTRATION
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135960310
Date	Mar 18, 2020
Book Page	13596/310

Lender

Name	CAPITAL ONE BANK NA
Type	Bank
Address	NEW YORK, NY 10171

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135960257
Date	Mar 18, 2020
Book Page	13596/257

Lender

Name	FREDERICK COUNTY
Type	Government Agency
Address	FREDERICK, MD 21701

Agreement

Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Document Number	0135960375
Instrument Date	Mar 1, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1888 MAIN ST #C163 MADISON MS 391106337, C163, MADISON, MS 39110-6337

Mortgage

Document Number	0135960375
Date	Mar 18, 2020
Book Page	013596/000375

Lender

Name	COMMUNITY DEV COMMISSION
Type	Construction/Development Company
Address	7800 HARKINS RD, LANHAM SEABROOK, MD 20706-1333

Agreement

Amount	Amount Recorded

December 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 10, 2019
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Document Number	0133910455
Book / Page	13391 / 0455
Instrument Date	Nov 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,515.86
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5900 HARWICK RD, 5900, BETHESDA, MD 20816-1103

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133910463
Date	Dec 10, 2019
Instrument	13391/0463

Lender

Name	ENTERPRISE COMMUNITY LOAN FUND INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Document Number	0123126464
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0123126464
Date	Mar 9, 2018
Book Page	012312/046464

Lender

Name	CAPITAL BK
Type	Bank
Address	1 CHURCH ST # 300, ROCKVILLE, MD 20850-4190

Agreement

Amount	Amount Recorded

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 9, 2018
Property Address	400 E CHURCH ST, FREDERICK, MD 21701-6923
Document Number	0123120456
Book / Page	012312 / 000456
Instrument Date	Feb 28, 2018
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 E CHURCH ST FREDERICK MD 217015323, FREDERICK, MD 21701-5323

Mortgage

Document Number	123120501
Date	Mar 9, 2018
Book Page	012312/000501

Lender

Name	GREAT JONES CAP II LLC
Address	1710 CONNECTICUT AVENUE NWTHIRD F, WASHINGTON, DC 20009

Agreement

Amount	Amount Recorded

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		$5,876,100 (-) Land $581,500 Building $5,294,600	$5,876,100 (-) Land $581,500 Building $5,294,600
2024	$52,839.00 (+5.21%)
2023	$50,221.00 Additional exemption filed	$5,876,100 Land $581,500 Building $5,294,600	$5,876,100 Land $581,500 Building $5,294,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1982–1996)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jan 1996 · Severe Storms And Flooding

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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