437 Center St, Frederick, MD 21701 Property Records

Frederick County property record for 437 Center St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,073 sqft · built 1963
Lot Size	0.196 acres (8,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Feb 2010)
Tax Bill	$5,079 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-039311`

Property Details

APN / Parcel Number

Primary APN	`02-039311`
Alternative APNs	`2039311` `039311`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,831 sqft Living Area
Gross Area	2,071 sqft
1st Floor Area	1,073 sqft
Basement Area	758 sqft
Finished Basement	758 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,541 sqft (0.196 acres)
Lot Dimensions	117 ft deep x 73 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	432 sqft
Deck Area	180 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	039311
Street Address	437 CENTER ST
City	FREDERICK
State	MD
Zip	21701-6375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	L 13 B I 73X117 437 CENTER ST FREDK
Legal Subdivision	FREDK
Legal Block	I
Legal Lot Number	13
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
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 August 7, 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	437 CENTER ST, FREDERICK, MD 21701-6375
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2010 · Amount on Record
Deed Sale	Feb 4, 2010 · Amount on Record
Prior Sale	Nov 4, 2009 · Amount on Record
Deed Document Number	2010381
Deed Book / Page	7690 / 32
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	437 CENTER ST, FREDERICK, MD 21701-6375
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150580340
Date	Jul 6, 2021
Book Page	15058/340

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$428,467 (+26.74%)	$453,800 (+9.14%) Land $167,700 Building $286,100
2025	$5,079.00 (+12.47%)
2023	$4,516.00 Homeowner's exemption	$338,067	$415,800 Land $139,100 Building $276,700

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 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