Frederick County property record for 405 Union St, Frederick, MD 21701 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 4,632 sqft · built 2024 |
| Lot Size | 0.184 acres (8,030 sqft) |
| Owner | Company Name on File |
| Last Sale | $845,000 (Apr 2024) |
| Tax Bill | $14,707 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Mar 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-603761 |
| Primary APN | 02-603761 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Building Area | 4,632 sqft Living Area |
| Gross Area | 5,073 sqft |
| 1st Floor Area | 1,829 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,030 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 603761 |
|---|---|
| Street Address | 405 UNION ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-3570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 249 PHASE 1A PLA 8,030 SQ FT RENN QUARTER |
| Legal Subdivision | RENN QUARTER PHASE 1A |
| Legal Phase | 1A |
| Legal Lot Number | 249 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 772200 |
Source: Frederick County records · APN 02-603761
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 405 UNION ST, FREDERICK, MD 21701-3570 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 01, 2024 | Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Mar 07, 2023 | Special Warranty Deed, Transfer RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 01, 2024 · Amount on Record |
| Deed Sale | Apr 01, 2024 · Amount on Record |
| Deed Book / Page | 16812 / 333 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 01, 2024 |
| Property Address | 405 UNION ST, FREDERICK, MD 21701-3570 |
| Document Number | 0168120333 |
| Book / Page | 16812 / 333 |
| Map Reference | MB 106 PG 105 |
| Instrument Date | Mar 29, 2024 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 15, 2024 |
| Title Company | RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,112.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 405 UNION ST, FREDERICK, MD 21701-3570 |
| Document Number | 0016812343 |
|---|---|
| Date | Apr 01, 2024 |
| Instrument | 16812/343 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 07, 2023 |
| Property Address | 405 UNION ST, FREDERICK, MD 21701-3570 |
| Document Number | 0163530344 |
| Book / Page | 16353 / 344 |
| Map Reference | MB 106 PG 105 |
| Instrument Date | Dec 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $34,669.59 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2221 E LAMAR BLVD STE 790, 790, ARLINGTON, TX 76006-7458 |
| Name | Verified Name |
|---|---|
| Address | 181 HARRY S TRUMAN PKWY STE 250, 250, ANNAPOLIS, MD 21401-7577 |
Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $807,533 (+562.46%) | $820,800 (+457.99%) Land $163,100 Building $657,700 | |
| 2025 | $14,707.00 (+571.25%) | ||
| 2023 | $2,191.00 | $121,900 | $147,100 Land $147,100 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217722002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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, river or lake flooding, Severe Storms And Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| 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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
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