489 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 489 E Church St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,194 sqft · built 1890
Lot Size	0.079 acres (3,440 sqft)
Owner	Company Name on File
Last Sale	$220,000 (Dec 2019)
Tax Bill	$6,177 (2025)
Deeds & Mortgages	Nov 2023 Sale Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-016249`

Property Details

APN / Parcel Number

Primary APN	`02-016249`
Alternative APNs	`2016249` `016249`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Units	5 Units
Stories	2 Stories
Building Area	3,194 sqft Living Area
1st Floor Area	1,015 sqft
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,440 sqft (0.079 acres)
Lot Dimensions	80 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	016249
Street Address	489 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-6037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DR
Legal Description	LT #66 43 X 80 489 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	66
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2007
Census Tract	750200

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
Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Frederick County assessment roll, 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	Company Name on File
Mailing Address	3942 BRAVEHEART CIR, FREDERICK, MD 21704-7743
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed, Transfer
Sep 14, 2023	Intrafamily Transfer, Transfer
Dec 2, 2019	Deed, Transfer · Conventional Mortgage MORTGAGE X HOME LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Deed Book / Page	13369 / 365
Last Transfer Date	Jul 3, 2023
Transfer Doc	0166000080
Record Updated	Sep 20, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 8, 2023
Property Address	489 E CHURCH ST, FREDERICK, MD 21701-6037
Document Number	0166630236
Book / Page	16663 / 236
Map Reference	MB STH FO 141
Instrument Date	Sep 15, 2023
Transaction Type	Transfer
Record Updated	Jan 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3942 BRAVEHEART CIR, FREDERICK, MD 21704-7743

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 14, 2023
Property Address	489 E CHURCH ST, FREDERICK, MD 21701-6037
Document Number	0166000080
Book / Page	16600 / 80
Map Reference	MB STH FO 141
Instrument Date	Jul 3, 2023
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3942 BRAVEHEART CIR, FREDERICK, MD 21704-7743

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 2, 2019
Property Address	489 E CHURCH ST, FREDERICK, MD 21701-6037
Document Number	0133690365
Book / Page	13369 / 0365
Map Reference	MB STH FO 141
Instrument Date	Nov 25, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3962 BRAVEHEART CIR, FREDERICK, MD 21704-7743

Mortgage

Document Number	133690371
Date	Dec 2, 2019
Instrument	13369/0371

Lender

Name	MORTGAGE X HOME LOANS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

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		$394,133 (+18.15%)	$515,200 (+54.44%) Land $167,200 Building $348,000
2025	$6,177.00 (+4.18%)	$333,600 (+22.26%) Land $127,200 Building $206,400	$333,600 (-) Land $127,200 Building $206,400
2024	$5,929.00 (+12.36%)
2023	$5,277.00	$272,867	$333,600 Land $127,200 Building $206,400

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	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jun 1996 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Shenandoah Telecommunications Company.

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