9309 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9309 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,748 sqft · built 2005
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Apr 2008)
Tax Bill	$6,520 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-240503`

Property Details

APN / Parcel Number

Primary APN	`07-240503`
Alternative APN	`240503`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,748 sqft Living Area
1st Floor Area	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,400 sqft (0.055 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	240503
Street Address	9309 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7340
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 12097 2,400 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-11-M-13
Legal Lot Number	12097
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3012
Census Tract	752202

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	9309 PENROSE ST, FREDERICK, MD 21704-7340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SOLUTIONS INC
Jun 6, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Feb 6, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2008 · Amount on Record
Deed Sale	Apr 4, 2008 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Document Number	200881450
Deed Book / Page	6939 / 434
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9309 PENROSE ST, FREDERICK, MD 21704-7340
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	GUARANTEED TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126590310
Date	Oct 9, 2018
Book Page	12659/0310

Lender

Name	RESIDENTIAL MORTGAGE SOLUTIONS INC
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9309 PENROSE ST, FREDERICK, MD 21704-7340
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130090158
Date	Jun 6, 2019
Book Page	13009/0158

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9309 PENROSE ST, FREDERICK, MD 21704-7340
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135110521
Date	Feb 6, 2020
Book Page	13511/0521

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9309 PENROSE ST, FREDERICK, MD 21704-7340
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9309 PENROSE ST, FREDERICK, MD 21704-7340

Mortgage

Document Number	0156490390
Date	Jan 11, 2022
Book Page	15649/390

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$553,500 (+27.48%)	$596,600 (+27.67%) Land $170,000 Building $426,600
2025	$6,520.00 (+11.09%)
2023	$5,869.00 Homeowner's exemption	$434,200	$467,300 Land $135,000 Building $332,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 709 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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