643 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 643 E Church St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 1,920 sqft · built 2018
Lot Size	0.03 acres (1,312 sqft)
Owner	Individual Name on Record
Last Sale	$299,990 (Mar 2019)
Tax Bill	$6,165 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-594491`

Property Details

APN / Parcel Number

Primary APN	`02-594491`
Alternative APN	`594491`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	652 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,312 sqft (0.03 acres)
Garage Type	Attached
Garage Area	304 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	12 sqft
Deck Area	128 sqft
Balcony Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	594491
Street Address	643 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-6163
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 2765 PLAT 2 SECT 1,312 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	EASYCHURCH
Legal Lot Number	2765
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1024
Census Tract	750804

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

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 4, 2025

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	643 E CHURCH ST, FREDERICK, MD 21701-6163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Mar 18, 2019	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB
Jul 18, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2019 · Amount on Record
Deed Sale	Mar 18, 2019 · Amount on Record
Prior Sale	Jul 18, 2018 · Amount on Record
Deed Book / Page	12875 / 481
Last Transfer Date	Jun 15, 2020
Transfer Doc	0138570329
Record Updated	Jun 8, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2020
Property Address	643 E CHURCH ST, FREDERICK, MD 21701-6163
Document Number	0138570329
Book / Page	13857 / 329
Map Reference	MB 98 PG 90
Instrument Date	Jun 15, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	643 E CHURCH ST, FREDERICK, MD 21701-6163

Mortgage

Document Number	0013857334
Date	Jun 29, 2020
Instrument	13857/334

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 18, 2019
Property Address	643 E CHURCH ST, FREDERICK, MD 21701-6163
Document Number	0128750481
Book / Page	12875 / 0481
Map Reference	MB 98 PG 90
Instrument Date	Feb 1, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CALATLANTIC TITLE OF MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	643 E CHURCH ST, FREDERICK, MD 21701-6163

Mortgage

Document Number	0012875492
Date	Mar 18, 2019
Instrument	12875/492

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 18, 2018
Property Address	643 E CHURCH ST, FREDERICK, MD 21701-6163
Document Number	0125230096
Book / Page	012523 / 000096
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$493.68
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14280 PARK MEADOW DR #108 CHANTILLY VA 201512291, 108, CHANTILLY, VA 20151-2291
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$396,300 (+19.57%) Land $165,000 Building $231,300	$396,300 (-) Land $165,000 Building $231,300
2024	$6,165.00 (+7.25%)
2023	$5,748.00 Homeowner's exemption	$331,433	$396,300 Land $165,000 Building $231,300

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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