645 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 645 E Church St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,604 sqft · built 2018
Lot Size	0.03 acres (1,312 sqft)
Owner	Individual Name on Record
Last Sale	$332,000 (Sep 2021)
Tax Bill	$5,730 (2023)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-594492`

Property Details

APN / Parcel Number

Primary APN	`02-594492`
Alternative APN	`594492`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,604 sqft Total Area

Exterior

Year Built	Built 2018
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,312 sqft (0.03 acres)
Garage Type	Built-in
Garage Area	304 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	12 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	594492
Street Address	645 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-6163
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 2766 PLAT 2 SECT 1,312 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	NICODEMUS PND EASTCHURCH
Legal Lot Number	2766
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 September 25, 2023

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

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Mar 20, 2019	Grant Deed, Transfer CALATLANTIC TITLE/MD INC
Jul 18, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	0015330249
Deed Book / Page	15330 / 249
Record Updated	Jun 7, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 28, 2021
Property Address	645 E CHURCH ST, FREDERICK, MD 21701-6163
Document Number	0153300249
Book / Page	15330 / 249
Map Reference	MB 98 PG 90
Instrument Date	Jan 29, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
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	645 E CHURCH ST, FREDERICK, MD 21701-6163

Mortgage

Document Number	0015330257
Date	Sep 28, 2021
Instrument	15330/257

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2051

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 20, 2019
Property Address	645 E CHURCH ST, FREDERICK, MD 21701-6163
Document Number	0128800045
Book / Page	012880 / 000045
Instrument Date	Feb 25, 2019
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	CALATLANTIC TITLE/MD INC

Transaction

Amount	Amount Recorded
Tax	$285.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	645 E CHURCH ST FREDERICK MD 217016163, FREDERICK, MD 21701-6163

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 18, 2018
Property Address	645 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 July 1, 2023

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
2023	$5,730.00	$313,867	$377,600 Land $165,000 Building $212,600

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 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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