Frederick County property record for 443 W South St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,048 sqft · built 1927 |
| Lot Size | 0.045 acres (1,957 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,000 (Jun 2025) |
| Tax Bill | $4,609 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jan 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-261871 |
| Primary APN | 02-261871 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,048 sqft Living Area |
| 1st Floor Area | 524 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Other |
| Lot Area | 1,957 sqft (0.045 acres) |
| Porch | Open Porch |
| Porch Area | 138 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 261871 |
|---|---|
| Street Address | 443 W SOUTH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6326 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DR |
| Legal Description | LOT 2 SECT 1 1,957 SQ. FT. JUERGEN HABER PROPERTY |
| Legal Subdivision | HABER JUERGEN PROP |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 750300 |
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.
443 W South St, a townhouse, is owned and occupied by two individuals who bought it in June 2025.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jan 17, 2024 | Intrafamily Transfer, Transfer |
| Mar 15, 2021 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Apr 23, 2018 | Deed, Transfer · FHA Mortgage GMH MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on File |
| Deed Sale | Jun 11, 2025 · Amount on File |
| Prior Sale | Mar 15, 2021 · Amount on File |
| Deed Book / Page | 17383 / 123 |
| Prior Transfer Date | Jan 3, 2024 |
| Prior Transfer Doc | 0167350489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Title Company | IDEAL TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 0177000248 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 17700/248 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.99% |
| Max Rate At Change | 5.99% |
| Index | 1-Year T-Bill |
| Max Rate | 5.99% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 17, 2024 |
| Property Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 0167350489 |
| Book / Page | 16735 / 489 |
| Map Reference | MB 79 FO 124 |
| Instrument Date | Jan 3, 2024 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 15, 2021 |
| Property Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 0146620386 |
| Book / Page | 14662 / 386 |
| Map Reference | MB 79 FO 124 |
| Instrument Date | Feb 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 14662393 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 14662/393 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2018 |
| Property Address | 443 W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 0123750241 |
| Book / Page | 12375 / 0241 |
| Map Reference | MB79 PL124 |
| Instrument Date | Mar 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 443W W SOUTH ST, FREDERICK, MD 21701-6326 |
| Document Number | 0012375249 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 12375/249 |
| Name | GMH MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 443 W South St was $4,609, up 4.8% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $339,200 (+3.57%) | $362,600 (+10.72%) Land $151,600 Building $211,000 | |
| 2025 | $4,609.00 (+4.82%) | $327,500 Land $117,400 Building $210,100 | $327,500 Land $117,400 Building $210,100 |
| 2024 | $4,397.00 (+7.22%) | ||
| 2023 | $4,101.00 | $250,500 | $327,500 Land $117,400 Building $210,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 443 W South St in Zone X, an area of minimal flood risk.
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.
The area around 443 W South St has no burnable land within ember reach, so its wildfire risk is not rated.
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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