Frederick County property record for 427 Center St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,392 sqft · built 1962 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Oct 2022) |
| Tax Bill | $4,858 (2024) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-081555 |
| Primary APN | 02-081555 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Utility Area | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 125 ft deep x 76 ft wide |
| Garage Type | Carport |
| Garage Area | 377 sqft |
| Carport | Carport |
| Carport Area | 377 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 081555 |
|---|---|
| Street Address | 427 CENTER ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT 21 BL G 76 X125 427 CENTER ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Block | G |
| Legal Lot Number | 21 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 765100 |
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.
Source: Frederick County records, 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 Individual Names on Record |
|---|---|
| Mailing Address | 427 CENTER ST, FREDERICK, MD 21701-6374 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 26, 2022 | Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Dec 19, 2014 · Amount on Record |
| Deed Book / Page | 16196 / 348 |
| Prior Transfer Date | Jul 21, 2015 |
| Prior Transfer Doc | 0106700037 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 427 CENTER ST, FREDERICK, MD 21701-6374 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 427 CENTER ST, FREDERICK, MD 21701-6374 |
| Document Number | 0165060118 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 16506/118 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 26, 2022 |
| Property Address | 427 CENTER ST, FREDERICK, MD 21701-6374 |
| Document Number | 0161960348 |
| Book / Page | 16196 / 348 |
| Map Reference | MB 3 PL 196 |
| Instrument Date | Oct 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 427 CENTER ST, FREDERICK, MD 21701-6374 |
| Document Number | 0016196352 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 16196/352 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $292,400 (+28.17%) Land $143,000 Building $149,400 | $292,400 (-) Land $143,000 Building $149,400 | |
| 2024 | $4,858.00 (+15.97%) | ||
| 2023 | $4,189.00 | $228,133 | $292,400 Land $143,000 Building $149,400 |
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 | 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.
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 311 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 Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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