406 Center St, Frederick, MD 21701 Property Records

Frederick County property record for 406 Center St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,030 sqft · built 1948
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$476,000 (Mar 2023)
Tax Bill	$6,235 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-061163`

Property Details

APN / Parcel Number

Primary APN	`02-061163`
Alternative APNs	`2061163` `061163`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	955 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	257 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	061163
Street Address	406 CENTER ST
City	FREDERICK
State	MD
Zip	21701-6314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT #8 & PT. OF #9 50 X 125 406 CENTER ST.
Legal Subdivision	BOARD/EDUCATION
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1003
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 April 29, 2026

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 Record
Mailing Address	406 CENTER ST, FREDERICK, MD 21701-6314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MARKETS CUSO
Mar 21, 2023	Deed, Transfer · Conventional Mortgage PRIMELENDING
Mar 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Sep 22, 2020	Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Sep 22, 2020 · Amount on Record
Deed Book / Page	16370 / 115
Transfer Doc	0047200241
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 23, 2026
Property Address	406 CENTER ST, FREDERICK, MD 21701-6314
Document Number	1783000387
Book / Page	17830 / 387
Instrument Date	Apr 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATLANTIC CLOSING AND ESCROW LLC, ATLANTIC CLOSING & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	406 CENTER ST, FREDERICK, MD 21701-6314

Mortgage

Document Number	1783000387,
Date	Apr 23, 2026
Book Page	17830/387

Lender

Name	MORTGAGE MARKETS CUSO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 21, 2023
Property Address	406 CENTER ST, FREDERICK, MD 21701-6314
Document Number	0163700115
Book / Page	16370 / 115
Map Reference	MB EGH 2 FO 88
Instrument Date	Mar 20, 2023
Transaction Type	Transfer
Record Updated	Apr 3, 2023
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Tax	$2,380.00
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 by the Entirety
Address	406 CENTER ST, FREDERICK, MD 21701-6314

Mortgage

Document Number	0016370121
Date	Mar 21, 2023
Instrument	16370/121

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0163700452
Date	Mar 22, 2023
Book Page	16370/452

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	406 CENTER ST, FREDERICK, MD 21701-6314
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117300134
Date	Mar 23, 2017
Book Page	11730/0134
Instrument	11730-0134

Lender

Name	SUNTRUST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 22, 2020
Property Address	406 CENTER ST, FREDERICK, MD 21701-6314
Document Number	0140960083
Book / Page	14096 / 83
Map Reference	MB EGH 2 FO 88
Instrument Date	May 5, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LIBERTY T&E OF MD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
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 by the Entirety
Address	406 CENTER ST, FREDERICK, MD 21701-6314

Mortgage

Document Number	1409691
Date	Sep 22, 2020
Instrument	14096/91

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jun 1, 2050

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		$369,800 (+15.97%) Land $130,000 Building $239,800	$369,800 (-) Land $130,000 Building $239,800
2024	$6,235.00 (+7.13%)
2023	$5,820.00	$318,867	$369,800 Land $130,000 Building $239,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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