403 Center St, Frederick, MD 21701 Property Records

Frederick County property record for 403 Center St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 888 sqft · built 1932
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Oct 2021)
Tax Bill	$5,684 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-063522`

Property Details

APN / Parcel Number

Primary APN	`02-063522`
Alternative APNs	`2063522` `063522`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	936 sqft
1st Floor Area	888 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	208 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	063522
Street Address	403 CENTER ST
City	FREDERICK
State	MD
Zip	21701-6313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 35 X 208 403 CENTER ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	60
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3017
Census Tract	765100

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

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 July 10, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	403 CENTER ST, FREDERICK, MD 21701-6313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC BANK
Oct 21, 2021	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Dec 2, 2004 · Amount on Record
Deed Book / Page	15408 / 393
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 2, 2026
Property Address	403 CENTER ST, FREDERICK, MD 21701-6313
Document Number	1794000056
Book / Page	17943 / 56
Instrument Date	Jun 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 CENTER ST, FREDERICK, MD 21701-6313

Mortgage

Document Number	1794000056,
Date	Jul 2, 2026
Book Page	17943/56

Lender

Name	ATLANTIC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 21, 2021
Property Address	403 CENTER ST, FREDERICK, MD 21701-6313
Document Number	0154080393
Book / Page	15408 / 393
Map Reference	MB STH FO 33
Instrument Date	Oct 4, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.00
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	403 CENTER ST, FREDERICK, MD 21701-6313

Mortgage

Document Number	0015408400
Date	Oct 21, 2021
Instrument	15408/400

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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	$5,684.00 (+30.22%)	$306,600 (+28.86%) Land $133,000 Building $173,600	$306,600 (-) Land $133,000 Building $173,600
2023	$4,365.00	$237,933	$306,600 Land $133,000 Building $173,600

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 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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