Frederick County property record for 409 W 2nd St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,246 sqft · built 2017 |
| Lot Size | 0.265 acres (11,565 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (May 2017) |
| Tax Bill | $16,922 (2023) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2017 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-590058 |
| Primary APN | 02-590058 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,246 sqft Total Area |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,565 sqft (0.265 acres) |
| Garage Type | Detached |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Deck Area | 462 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 590058 |
|---|---|
| Street Address | 409 W 2ND ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 PLAT 1 SECTION 11,565 SQ FT ZIMMERMAN AT BAKER PARK |
| Legal Subdivision | ZIMMERMAN/BAKER PARK |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 750600 |
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.
Source: Frederick County records, as of September 25, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 409 W 2ND ST, FREDERICK, MD 21701-5066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| May 8, 2017 | Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2017 · Amount on Record |
| Deed Sale | May 8, 2017 · Amount on Record |
| Deed Document Number | 0001180629 |
| Deed Book / Page | 11806 / 29 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 409 W 2ND ST, FREDERICK, MD 21701-5066 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | LAWYERS TRUST TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0135810342 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 13581/342 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 8, 2017 |
| Property Address | 409 W 2ND ST, FREDERICK, MD 21701-5066 |
| Document Number | 0118060029 |
| Book / Page | 11806 / 0029 |
| Map Reference | MB92 PG196 |
| Instrument Date | Apr 25, 2017 |
| Instrument | 11806-0029 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 11, 2022 |
| Title Company | LAWYERS TRUST TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4915 MERIDIAN WAY # B, B, FREDERICK, MD 21703-6871 |
| Document Number | 0118060035 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 11806-0035 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | May 1, 2048 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $16,922.00 Homeowner's exemption | $1,032,400 | $1,318,800 Land $304,600 Building $1,014,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 5 (1998–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2021 · rainfall accumulation |
| Claims by Event |
|
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 571 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 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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