Frederick County property record for 546 E Church St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,440 sqft · built 1910 |
| Lot Size | 0.133 acres (5,775 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,006 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-023903 |
| Primary APN | 02-023903 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 5,775 sqft (0.133 acres) |
| Lot Dimensions | 275 ft deep x 21 ft wide |
| Porch | Open Porch |
| Porch Area | 174 sqft |
| Deck Area | 250 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 023903 |
|---|---|
| Street Address | 546 E CHURCH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5766 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | M1 |
| Legal Description | LT 21 X 275 546 E. CHURCH ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 546 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 772200 |
Source: Frederick County records · APN 02-023903
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 546 E CHURCH ST, FREDERICK, MD 21701-5766 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 08, 2021 | Deed of Trust, Mortgage · Line of Credit WOODSBORO BANK |
| May 04, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 03, 2000 |
| Deed Sale | Jan 03, 2000 |
| Deed Document Number | 20003 |
| Deed Book / Page | 2668 / 1203 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 546 E CHURCH ST, FREDERICK, MD 21701-5766 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 546 E CHURCH ST, FREDERICK, MD 21701-5766 |
| Document Number | 0155470272 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 15547/272 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 546 E CHURCH ST, FREDERICK, MD 21701-5766 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0148380001 |
|---|---|
| Date | May 04, 2021 |
| Book Page | 14838/1 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 01, 2051 |
Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,467 (+26.14%) | $337,000 (+11.7%) Land $178,800 Building $158,200 | |
| 2025 | $4,006.00 (+12.4%) | ||
| 2023 | $3,564.00 Homeowner's exemption | $248,500 | $301,700 Land $138,800 Building $162,900 |
Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 8 (1982–1996) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 253 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FREDERICK serves 54,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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