445 Pemberton Park Ln, Frederick, MD 21703 Property Records

Frederick County property record for 445 Pemberton Park Ln, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,400 sqft · built 2020
Lot Size	0.034 acres (1,496 sqft)
Owner	Individual Name on Record
Last Sale	$321,191 (Jan 2021)
Tax Bill	$7,464 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-597142`

Property Details

APN / Parcel Number

Primary APN	`02-597142`
Alternative APN	`597142`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	800 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,496 sqft (0.034 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	597142
Street Address	445 PEMBERTON PARK LN
City	FREDERICK
State	MD
Zip	21703-4901
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 57 1,496 SQ FT WEST PARK VILLAGE
Legal Subdivision	WEST PARK VILLAGE
Legal Lot Number	57
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	3
Census Block	3007
Census Tract	750506

Owner

Source: Frederick County records, as of July 14, 2026

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
Mailing Address	445 PEMBERTON PARK LN, FREDERICK, MD 21703-4901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jan 11, 2021	Deed, Transfer · FHA Mortgage FIRST HERITAGE MORTGAGE LLC
Jul 31, 2020	Special Warranty Deed, Construction Loan · Construction Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Book / Page	14439 / 391
Prior Transfer Date	Jul 14, 2020
Prior Transfer Doc	0139420099
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	445 PEMBERTON PARK LN, FREDERICK, MD 21703-4901
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 PEMBERTON PARK LN, FREDERICK, MD 21703-4901

Mortgage

Document Number	0153880253
Date	Oct 14, 2021
Book Page	15388/253

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 11, 2021
Property Address	445 PEMBERTON PARK LN, FREDERICK, MD 21703-4901
Document Number	0144390391
Book / Page	14439 / 391
Map Reference	MB 100 PG 169
Instrument Date	Dec 23, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CHAMPION TITLE & SETMNTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,605.96
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

Mortgage

Document Number	0014439397
Date	Jan 11, 2021
Instrument	14439/397

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2020: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 31, 2020
Property Address	445 PEMBERTON PARK LN, FREDERICK, MD 21703-4901
Document Number	0139420099
Book / Page	13942 / 99
Map Reference	MB 100 PG 169
Instrument Date	Jul 14, 2020
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022
Title Company	CHAMPION TITLE & SETMNTS INC

Transaction

Amount	Amount Recorded
Tax	$2,375.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4140 PLEASANT VALLEY RD # 200, 200, CHANTILLY, VA 20151-1226
Investor	Possibly a Property Investor

Mortgage

Document Number	0139420105
Date	Jul 31, 2020
Instrument	13942/0105

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$7,464.00 (+11.19%)	$404,100 (+26.74%) Land $100,000 Building $304,100	$404,100 (-) Land $100,000 Building $304,100
2024	$6,713.00 (+15.36%)
2023	$5,819.00	$318,833	$404,100 Land $100,000 Building $304,100

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 · 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
Nearby Flood Claims	3 (2014–2018)
Most Recent Claim	May 2018 · Severe Storms And Flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber, Verizon.

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