611 Charles St, Frederick, MD 21701 Property Records

Frederick County property record for 611 Charles St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 900 sqft · built 1956
Lot Size	0.218 acres (9,504 sqft)
Owner	Individual Name on Record
Last Sale	$188,900 (May 2019)
Tax Bill	$5,031 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-123045`

Property Details

APN / Parcel Number

Primary APN	`02-123045`
Alternative APNs	`2123045` `123045`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,504 sqft (0.218 acres)
Lot Dimensions	144 ft deep x 66 ft wide
Garage Type	Carport
Garage Area	416 sqft
Carport	Carport
Carport Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	123045
Street Address	611 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 #46 66 X 144 611 CHARLES ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	46
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2003
Census Tract	765100

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	Individual Name on Record
Mailing Address	611 CHARLES ST, FREDERICK, MD 21701-6223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 31, 2019	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Jun 25, 2008
Deed Book / Page	12999 / 357
Prior Transfer Date	Jun 20, 2008
Prior Transfer Doc	0070180368
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	611 CHARLES ST, FREDERICK, MD 21701-6223
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152660156
Date	Sep 8, 2021
Book Page	15266/156

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 31, 2019
Property Address	611 CHARLES ST, FREDERICK, MD 21701-6223
Document Number	0129990357
Book / Page	12999 / 0357
Map Reference	MB 3 PL 73
Instrument Date	May 28, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	611 CHARLES ST, FREDERICK, MD 21701-6223

Mortgage

Document Number	129990364
Date	May 31, 2019
Instrument	12999/0364

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$285,367 (+5.38%)	$314,500 (+16.14%) Land $156,600 Building $157,900
2025	$5,031.00 (+12.88%)	$270,800 (+31.46%) Land $118,000 Building $152,800	$270,800 (-) Land $118,000 Building $152,800
2024	$4,457.00 (+17.57%)
2023	$3,791.00	$206,000	$270,800 Land $118,000 Building $152,800

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
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

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	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 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 236 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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