509 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 509 E Church St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1910
Lot Size	0.189 acres (8,235 sqft)
Owner	Individual Name on Record
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-062275`

Property Details

APN / Parcel Number

Primary APN	`02-062275`
Alternative APNs	`2062275` `062275`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,092 sqft Living Area
1st Floor Area	546 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	8,235 sqft (0.189 acres)
Lot Dimensions	270 ft deep x 2 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	398 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	062275
Street Address	509 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1
Legal Description	LT 30 1/2 X 270 509 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	30,50
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1030
Census Tract	750804

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 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	Individual Name on Record
Mailing Address	509 E CHURCH ST, FREDERICK, MD 21701-5765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 26, 2026	Intrafamily Transfer, Transfer · FHA Mortgage TOP FLITE FINANCIAL INC
Dec 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 8, 2017	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026
Deed Sale	Feb 26, 2026
Prior Sale	Jun 11, 1998 · Amount on Record
Deed Book / Page	17742 / 66
Prior Transfer Date	Oct 31, 2025
Prior Transfer Doc	0177420066
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	509 E CHURCH ST, FREDERICK, MD 21701-5765
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	CLIENT FIRST TITLE INC, CLIENTFIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E CHURCH ST, FREDERICK, MD 21701-5765

Mortgage

Document Number	0167420070
Date	Jan 24, 2024
Book Page	16742/70

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Feb 26, 2026
Property Address	509 E CHURCH ST, FREDERICK, MD 21701-5765
Document Number	0177420066
Book / Page	17742 / 66
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ABM TITLE SERVICES INC, AMT TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 E CHURCH ST, FREDERICK, MD 21701-5765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E CHURCH ST, FREDERICK, MD 21701-5765

Mortgage

Document Number	0001774273
Date	Feb 26, 2026
Instrument	17742/73

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	274 Months
Due	Dec 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	509 E CHURCH ST, FREDERICK, MD 21701-5765
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144080147
Date	Dec 30, 2020
Book Page	14408/147

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Oct 1, 2047

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 8, 2017
Property Address	509 E CHURCH ST, FREDERICK, MD 21701-5765
Document Number	0120170406
Book / Page	12017 / 0406
Instrument Date	Aug 16, 2017
Instrument	12017-0406
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5309 E CHURCH ST, 5309, FREDERICK, MD 21701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5309 E CHURCH ST, FREDERICK, MD 21701

Mortgage

Document Number	120170413
Date	Sep 8, 2017
Instrument	12017-0413

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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		$273,700 (+8.31%)	$315,700 (+24.93%) Land $191,100 Building $124,600
2025	$2,345.00 (-20.99%) Homeowner's exemption	$252,700 (+13.61%) Land $151,100 Building $101,600	$252,700 (-) Land $151,100 Building $101,600
2024	$2,968.00 (+56.79%)
2023	$1,893.00 Homeowner's exemption	$222,433	$252,700 Land $151,100 Building $101,600

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 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.

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 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: Glo Fiber.

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