442 Center St, Frederick, MD 21701 Property Records

Frederick County property record for 442 Center St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 863 sqft · built 1979
Lot Size	0.186 acres (8,104 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2015)
Tax Bill	$4,773 (2023)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-027321`

Property Details

APN / Parcel Number

Primary APN	`02-027321`
Alternative APNs	`2027321` `027321`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	863 sqft Total Area
1st Floor Area	863 sqft
Basement Area	618 sqft
Finished Basement	618 sqft

Exterior

Year Built	Built 1979
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,104 sqft (0.186 acres)
Porch	Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	027321
Old Parcel Number	2027321
Street Address	442 CENTER ST
City	FREDERICK
State	MD
Zip	21701-6377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 28 S 8 40.14X11 03 X 75.00 X 76.99 442 CNTR ST CARROLLTON
Legal Subdivision	CARROLLTON
Legal Lot Number	28
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1004
Census Tract	765100

Owner

Source: Frederick County records · APN 02-027321

Assessment roll updated July 1, 2023 · Last verified September 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 File
Co-owner	Verified Secondary Owner
Mailing Address	442 CENTER ST, FREDERICK, MD 21701-6377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2015 · Amount on Record
Deed Sale	Nov 17, 2015 · Amount on Record
Prior Sale	Sep 08, 2010 · Amount on Record
Deed Document Number	0108600254
Deed Book / Page	10860 / 0254
Record Updated	Jun 07, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	442 CENTER ST, FREDERICK, MD 21701-6377
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 CENTER ST, FREDERICK, MD 21701-6377

Mortgage

Document Number	0146520308
Date	Mar 11, 2021
Book Page	14652/308

Lender

Name	CITY LENDING INC
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 01, 2036

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,773.00	$260,633	$329,500 Land $137,400 Building $192,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 311 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FREDERICK serves 54,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.