Frederick County property record for 9045 McPherson St, Frederick, MD 21704
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,340 sqft · built 2009 |
| Lot Size | 0.041 acres (1,790 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (Sep 2026) |
| Tax Bill | $6,332 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-251610 |
| Primary APN | 07-251610 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,340 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,790 sqft (0.041 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 251610 |
|---|---|
| Street Address | 9045 MCPHERSON ST |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7859 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 1339 SEC M-1E 1,790 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES/URBANA |
| Legal Lot Number | 1339 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 752206 |
9045 McPherson St, a townhouse, is owned and occupied by two individuals who bought it in September 2026.
Source: Frederick County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed, Transfer · Conventional Mortgage NFM LENDING |
| Nov 9, 2023 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 9, 2023 | Deed, Transfer CARDINAL TITLE GROUP LLC |
| Jul 15, 2021 | Deed, Transfer · VA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on File |
| Deed Sale | Sep 10, 2026 · Amount on File |
| Prior Sale | Nov 9, 2023 · Amount on File |
| Deed Book / Page | 18043 / 253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 10, 2026 |
| Property Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 1804000253 |
| Book / Page | 18043 / 253 |
| Instrument Date | Sep 9, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | E ASSURANCE TITLE, ASSURANCE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530,250.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 1804000265, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 18043/265 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 9, 2023 |
| Property Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 0166630423 |
| Book / Page | 16663 / 423 |
| Map Reference | MB 85 PL 192 |
| Instrument Date | Nov 6, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,337.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 0016663431 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 16663/431 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 9, 2023 |
| Property Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 0166630416 |
| Book / Page | 16663 / 416 |
| Map Reference | MB 85 PL 192 |
| Instrument Date | Sep 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 90 HINMAN ST, CHESHIRE, CT 06410-2503 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 15, 2021 |
| Property Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 0150950058 |
| Book / Page | 15095 / 58 |
| Map Reference | MB 85 PL 192 |
| Instrument Date | Jul 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & SETMNTS INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9045 MCPHERSON ST, FREDERICK, MD 21704-7859 |
| Document Number | 1509566 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 15095/66 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 9045 McPherson St was $6,332 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $492,100 (+8.46%) | $530,500 (-) Land $170,000 Building $360,500 | |
| 2025 | $6,332.00 Homeowner's exemption | $453,700 | $530,500 Land $170,000 Building $360,500 |
| 2023 | $5,691.00 | $393,300 | $415,300 Land $135,000 Building $280,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9045 McPherson St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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 risk around 9045 McPherson St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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