8 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 8 E Church St, Frederick, MD 21701

Property Summary

Property Type	Commercial
Details	4.5 ba · 2,460 sqft · built 1895
Lot Size	0.048 acres (2,074 sqft)
Owner	Company Name on File
Last Sale	$695,000 (Apr 2025)
Tax Bill	$14,161 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-099306`

Property Details

APN / Parcel Number

Primary APN	`02-099306`
Alternative APNs	`2099306` `099306`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,460 sqft Gross Area
1st Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Built-Up Asphalt
Lot Area	2,074 sqft (0.048 acres)
Lot Dimensions	122 ft deep x 17 ft wide
View / Lot	Commercial/Industrial
Porch	Open Porch
Porch Area	132 sqft
Gazebo	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	099306
Street Address	8 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5402
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	DBO
Legal Description	LT 17 X 122 8 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2019
Census Tract	750200

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 assessment roll, 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	Company Name on File
Mailing Address	6511 78TH ST, CABIN JOHN, MD 20818-1308
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Jan 2, 2019	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 3, 2025 · Amount on Record
Deed Sale	Apr 3, 2025 · Amount on Record
Prior Sale	Jan 2, 2019 · Amount on Record
Prior Transfer Date	Feb 12, 2025
Prior Transfer Doc	0172860058
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8 E CHURCH ST, FREDERICK, MD 21701-5402
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 E CHURCH ST, FREDERICK, MD 21701-5402

Mortgage

Document Number	0146970215
Date	Mar 25, 2021
Book Page	14697/215

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 2, 2019
Property Address	8 E CHURCH ST, FREDERICK, MD 21701-5402
Document Number	0127790235
Book / Page	12779 / 0235
Instrument Date	Dec 13, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
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	Tenants by the Entirety
Address	405 W 2ND ST, FREDERICK, MD 21701-5066

Mortgage

Document Number	0012779241
Date	Jan 2, 2019
Instrument	12779/241

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2034

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	$14,161.00 (+11.44%)	$771,000 (+27.21%) Land $275,800 Building $495,200	$771,000 (-) Land $275,800 Building $495,200
2024	$12,707.00 (+15.7%)
2023	$10,983.00	$606,067	$771,000 Land $275,800 Building $495,200

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jun 1996 · rainfall accumulation

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 585 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 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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