405 Sherman Ave, Frederick, MD 21701 Property Records

Frederick County property record for 405 Sherman Ave, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,652 sqft · built 1945
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Nov 2023)
Tax Bill	$5,968 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-024810`

Property Details

APN / Parcel Number

Primary APN	`02-024810`
Alternative APNs	`2024810` `024810`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	175 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	024810
Street Address	405 SHERMAN AVE
City	FREDERICK
State	MD
Zip	21701-6321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT #21 40 X 175 405 SHERMAN AVE. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	210
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3008
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 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	Individual Name on File
Mailing Address	405 SHERMAN AVE, FREDERICK, MD 21701-6321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Feb 16, 2018	Deed of Trust, Mortgage · FHA Mortgage ACOPIA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 3, 2023 · Amount on Record
Deed Sale	Nov 3, 2023 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Book / Page	16657 / 1
Prior Transfer Date	Mar 13, 2006
Prior Transfer Doc	0059290336
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 3, 2023
Property Address	405 SHERMAN AVE, FREDERICK, MD 21701-6321
Document Number	0166570001
Book / Page	16657 / 1
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.50
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	405 SHERMAN AVE, FREDERICK, MD 21701-6321

Mortgage

Document Number	0000166578
Date	Nov 3, 2023
Instrument	16657/8

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	405 SHERMAN AVE, FREDERICK, MD 21701-6321
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SHERMAN AVE, FREDERICK, MD 21701-6321

Mortgage

Document Number	0151540184
Date	Aug 4, 2021
Book Page	15154/184

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	405 SHERMAN AVE, FREDERICK, MD 21701-6321
Document Number	0123030215
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 12, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	405 SHERMAN AVE FREDERICK MD 217016321, FREDERICK, MD 21701-6321

Mortgage

Document Number	0123030215
Date	Mar 5, 2018
Book Page	012303/000215

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

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		$353,700 (+22.83%) Land $133,000 Building $220,700	$353,700 (-) Land $133,000 Building $220,700
2024	$5,968.00 (+13.37%)
2023	$5,264.00	$287,967	$353,700 Land $133,000 Building $220,700

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	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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)
Shenandoah Telecommunications Company 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 USA, Verizon.

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