527 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 527 E Church St, Frederick, MD 21701

Property Summary

Property Type	Multi-Family Dwellings
Details	3,944 sqft · built 1900
Lot Size	0.243 acres (10,565 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Feb 2022)
Tax Bill	$8,914 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-059185`

Property Details

APN / Parcel Number

Primary APN	`02-059185`
Alternative APNs	`2059185` `059185`

Interior

Units	9 Units
Stories	2 Stories
Building Area	3,944 sqft Living Area
Gross Area	4,728 sqft
1st Floor Area	3,944 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	10,565 sqft (0.243 acres)
Lot Dimensions	139 ft deep x 76 ft wide
View / Lot	Commercial/Industrial
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Steam
Sewer	Municipal

Location & Zoning

Account Number	059185
Street Address	527 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5770
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	M1
Legal Description	LT 76 X 139 527 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	527
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	2 Individual Names on Record
Mailing Address	124 PINE AVE, FREDERICK, MD 21701-5773
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage WOODSBORO BANK
Feb 18, 2022	Deed, Transfer · Commercial Mortgage ROBERT W FRANK ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Mar 8, 2002 · Amount on Record
Deed Book / Page	15739 / 21
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	527 E CHURCH ST, FREDERICK, MD 21701-5770
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E CHURCH ST 2, 2, FREDERICK, MD 21701-5770

Mortgage

Document Number	0160350358
Date	Jul 14, 2022
Book Page	16035/358

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Amount	Amount Recorded

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 18, 2022
Property Address	527 E CHURCH ST, FREDERICK, MD 21701-5770
Document Number	0157390021
Book / Page	15739 / 21
Instrument Date	Feb 10, 2022
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,500.00
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	124 PINE AVE, FREDERICK, MD 21701-5773

Mortgage

Document Number	0001573927
Date	Feb 18, 2022
Instrument	15739/27

Lender

Name	ROBERT W FRANK ETAL
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$499,467 (+13.98%)	$543,200 (+13.74%) Land $147,800 Building $395,400
2025	$8,914.00 (+10.42%)
2023	$8,073.00	$438,200	$477,600 Land $147,800 Building $329,800

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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