541 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 541 E Church St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,253 sqft · built 1940
Lot Size	0.223 acres (9,750 sqft)
Owner	Individual on Record
Last Sale	$400,000 (Jul 2022)
Tax Bill	$6,575 (2023)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-016257`

Property Details

APN / Parcel Number

Primary APN	`02-016257`
Alternative APNs	`2016257` `016257`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,253 sqft Total Area
1st Floor Area	847 sqft
Attic Area	240 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1940
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Metal
Lot Area	9,750 sqft (0.223 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	016257
Old Parcel Number	2016257
Street Address	541 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1
Legal Description	LT 65 X 150 541 E. CHURCH ST. FREDERICK
Legal Subdivision	MASSERS ADD
Legal Lot Number	541
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1028
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 assessment roll, as of July 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	541 E CHURCH ST, FREDERICK, MD 21701-5768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 14, 2022	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2022 · Amount on Record
Deed Sale	Jul 14, 2022 · Amount on Record
Prior Sale	May 10, 2016 · Amount on Record
Deed Document Number	0016036160
Deed Book / Page	16036 / 160
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	541 E CHURCH ST, FREDERICK, MD 21701-5768
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 E CHURCH ST, FREDERICK, MD 21701-5768

Mortgage

Document Number	0147690116
Date	Apr 13, 2021
Book Page	14769/116

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2046

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 14, 2022
Property Address	541 E CHURCH ST, FREDERICK, MD 21701-5768
Document Number	0160360160
Book / Page	16036 / 160
Map Reference	LB EGH 2 FO 91B
Instrument Date	Jul 8, 2022
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
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
Address	541 E CHURCH ST, FREDERICK, MD 21701-5768

Mortgage

Document Number	0016036167
Date	Jul 14, 2022
Instrument	16036/167

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$6,575.00 Homeowner's exemption	$360,867	$387,000 Land $158,700 Building $228,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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