408 Culler Ave, Frederick, MD 21701 Property Records

Frederick County property record for 408 Culler Ave, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,459 sqft · built 1954
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individuals on Record
Last Sale	$545,000 (Oct 2022)
Tax Bill	$7,242 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-069830`

Property Details

APN / Parcel Number

Primary APN	`02-069830`
Alternative APNs	`2069830` `069830`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,459 sqft Living Area
1st Floor Area	1,409 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	069830
Street Address	408 CULLER AVE
City	FREDERICK
State	MD
Zip	21701-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LTS #8-9-10, BLK. 15 408 CULLER AVE. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	15
Legal Lot Number	8-10
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
Census Tract	750600

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
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.

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	2 Individuals on Record
Mailing Address	408 CULLER AVE, FREDERICK, MD 21701-4112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Oct 18, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 29, 2022	Deed, Transfer OLYMPIC TITLE, OLYMPIA TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Jun 29, 2022 · Amount on Record
Deed Book / Page	16184 / 320
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 1, 2026
Property Address	408 CULLER AVE, FREDERICK, MD 21701-4112
Document Number	1779000291
Book / Page	17795 / 291
Instrument Date	Mar 20, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	408 CULLER AVE, FREDERICK, MD 21701-4112

Mortgage

Document Number	1779000291,
Date	Apr 1, 2026
Book Page	17795/291

Lender

Name	JUSTICE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 28, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 18, 2022
Property Address	408 CULLER AVE, FREDERICK, MD 21701-4112
Document Number	0161840320
Book / Page	16184 / 320
Map Reference	MB EGH 2 FO 83
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,362.50
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 by the Entirety
Address	408 CULLER AVE, FREDERICK, MD 21701-4112

Mortgage

Document Number	0016184326
Date	Oct 18, 2022
Instrument	16184/326

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2022
Property Address	408 CULLER AVE, FREDERICK, MD 21701-4112
Document Number	0160100001
Book / Page	16010 / 1
Map Reference	MB EGH 2 FO 83
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	OLYMPIC TITLE, OLYMPIA TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9136 BETHEL RD, 9136, FREDERICK, MD 21702-2006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6050 CALIFORNIA CIR APT 405, 405, ROCKVILLE, MD 20852-4884

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		$549,000 (+48.11%) Land $171,400 Building $377,600	$549,000 (-) Land $171,400 Building $377,600
2024	$7,242.00 (+7.27%)
2023	$6,751.00	$370,667	$549,000 Land $171,400 Building $377,600

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	3 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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

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 315 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 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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