Frederick County property record for 401 W 2nd St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 5,704 sqft · built 2020 |
| Lot Size | 0.27 acres (11,770 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (Nov 2018) |
| Tax Bill | $29,758 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-590062 |
| Primary APN | 02-590062 |
|---|---|
| Alternative APN |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,704 sqft Living Area |
| Gross Area | 5,964 sqft |
| 1st Floor Area | 2,016 sqft |
| Basement Area | 1,550 sqft |
| Finished Basement | 1,550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,770 sqft (0.27 acres) |
| Garage Type | Detached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 590062 |
|---|---|
| Street Address | 401 W 2ND ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 PLAT 1 SECTION 11,770 SQ FT ZIMMERMAN AT BAKER PARK |
| Legal Subdivision | PLAT 1 ZIMMERMAN AT BAKER PARK |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 750600 |
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.
Source: Frederick County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/PENN |
| Dec 4, 2020 | Deed of Trust, Mortgage FIRST NAT'L BK/PENN |
| Nov 5, 2018 | Deed, Transfer · ARM SANDY SPRING BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 5, 2018 · Amount on Record |
| Deed Sale | Nov 5, 2018 · Amount on Record |
| Deed Book / Page | 12699 / 90 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 9, 2026 |
| Property Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 1794000462 |
| Book / Page | 17948 / 462 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 1794000462, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 17948/462 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Jun 30, 2057 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Title Company | UNKNOWN, TITLE365 COMPANY |
| Name | Verified Name |
|---|---|
| Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 0175970049 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 17597/49 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 0143780125 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 401 W 2ND ST FREDERICK MD 217015066, FREDERICK, MD 21701-5066 |
| Document Number | 0143780125 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 014378/000125 |
| Name | FIRST NAT'L BK/PENN |
|---|---|
| Address | BALTIMORE, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 17, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 0143780100 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 401 W 2ND ST FREDERICK MD 217015066, FREDERICK, MD 21701-5066 |
| Document Number | 0143780100 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 014378/000100 |
| Name | FIRST NAT'L BK/PENN |
|---|---|
| Address | HERMITAGE, PA 16148 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 5, 2018 |
| Property Address | 401 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 0126990090 |
| Book / Page | 12699 / 0090 |
| Map Reference | MB92 PG196 |
| Instrument Date | Sep 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | IN HOUSE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 520 RAMBLING SUNSET CIR, MOUNT AIRY, MD 21771-5795 |
| Document Number | 0001269994 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 12699/94 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 9.87% |
| Index | 1-Year LIBOR |
| Max Rate | 9.87% |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $29,758.00 (+12.6%) Homeowner's exemption | $1,949,800 (+23.6%) Land $305,300 Building $1,644,500 | $1,949,800 (-) Land $305,300 Building $1,644,500 |
| 2023 | $26,427.00 Homeowner's exemption | $1,577,467 | $1,949,800 Land $305,300 Building $1,644,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 (1998–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 571 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures