557 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 557 E Church St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,166 sqft · built 1900
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,845 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-088681`

Property Details

APN / Parcel Number

Primary APN	`02-088681`
Alternative APNs	`2088681` `088681`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,166 sqft Living Area
1st Floor Area	1,083 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Slate
Lot Area	12,800 sqft (0.294 acres)
Lot Dimensions	320 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	247 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	088681
Street Address	557 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 40 X 320 557 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	557
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 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	557 E CHURCH ST, FREDERICK, MD 21701-5768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 15, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 3, 2011
Transfer Doc	8552000466
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	557 E CHURCH ST, FREDERICK, MD 21701-5768
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	STEWART TITLE AND ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 E CHURCH ST, FREDERICK, MD 21701-5768

Mortgage

Document Number	0161900407
Date	Oct 21, 2022
Book Page	16190/407

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	557 E CHURCH ST, FREDERICK, MD 21701-5768
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0118190451
Date	May 15, 2017
Book Page	11819/0451
Instrument	11819-0451

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 2, 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		$462,667 (+3.6%)	$494,800 (+10.79%) Land $214,000 Building $280,800
2025	$4,845.00 (+4.87%) Homeowner's exemption	$446,600 (+14.36%) Land $174,000 Building $272,600	$446,600 (-) Land $174,000 Building $272,600
2024	$4,620.00 (+7.24%)
2023	$4,308.00 Homeowner's exemption	$390,533	$446,600 Land $174,000 Building $272,600

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
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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