561 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 561 E Church St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,236 sqft · built 1900
Lot Size	0.278 acres (12,108 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jun 2004)
Tax Bill	$5,326 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-100592`

Property Details

APN / Parcel Number

Primary APN	`02-100592`
Alternative APNs	`2100592` `100592`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,236 sqft Living Area
1st Floor Area	1,352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,108 sqft (0.278 acres)
Lot Dimensions	156 ft deep x 30 ft wide
Porch	Open Porch
Porch Area	286 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	100592
Street Address	561 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5989
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1
Legal Description	LT 12,108 SQ FT 561 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	12
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	561 E CHURCH ST, FREDERICK, MD 21701-5989
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage BAYCOAST MORTGAGE CO LLC
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2004 · Amount on Record
Deed Sale	Jun 21, 2004 · Amount on Record
Prior Sale	Jan 27, 1982 · Amount on Record
Deed Document Number	200444807
Deed Book / Page	4682 / 127
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	561 E CHURCH ST, FREDERICK, MD 21701-5989
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126500166
Date	Oct 2, 2018
Book Page	12650/0166

Lender

Name	BAYCOAST MORTGAGE CO LLC
Type	Mortgage Company
Address	SWANSEA, MA 02777

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	561 E CHURCH ST, FREDERICK, MD 21701-5989
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	561 E CHURCH ST, FREDERICK, MD 21701-5989

Mortgage

Document Number	0145900158
Date	Feb 25, 2021
Book Page	14590/158

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$382,600 (+18.12%)	$412,400 (+12.16%) Land $210,500 Building $201,900
2025	$5,326.00 (+12.39%)
2023	$4,739.00 Homeowner's exemption	$323,900	$367,700 Land $170,500 Building $197,200

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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