603 Charles St, Frederick, MD 21701 Property Records

Frederick County property record for 603 Charles St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 850 sqft · built 1953
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$104,000 (Jun 2006)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-018454`

Property Details

APN / Parcel Number

Primary APN	`02-018454`
Alternative APNs	`2018454` `018454`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	850 sqft Living Area
Gross Area	990 sqft
1st Floor Area	850 sqft
Utility Area	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	209 sqft
Carport	Carport
Carport Area	209 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	290 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	018454
Street Address	603 CHARLES ST
City	FREDERICK
State	MD
Zip	21701-6223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LT #50 60 X 120 603 CHARLES ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	50
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2003
Census Tract	765100

Owner

Source: Frederick County records · APN 02-018454

Assessment roll updated August 4, 2025 · Last verified July 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	603 CHARLES ST, FREDERICK, MD 21701-6223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2006 · Amount on Record
Deed Sale	Jun 21, 2006 · Amount on Record
Prior Sale	Jun 30, 1993 · Amount on Record
Deed Document Number	200664303
Deed Book / Page	6079 / 783
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	603 CHARLES ST, FREDERICK, MD 21701-6223
Document Number	0116310081
Instrument Date	Jan 04, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 CHARLES ST FREDERICK MD 217016223, FREDERICK, MD 21701-6223

Mortgage

Document Number	0116310081
Date	Jan 23, 2017
Book Page	011631/000081

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 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

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
2025	$1,568.00 (+945.33%)	$273,800 (+29.89%) Land $108,800 Building $165,000	$273,800 (-) Land $108,800 Building $165,000
2023	$150.00	$210,800	$273,800 Land $108,800 Building $165,000

Flood & Wildfire

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

Flood

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	9 in force
Nearby Flood Claims	3 (2018–2019)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2019 · other causes
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 236 locations within half a mile of this property.

Drinking Water

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

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 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.