9338 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9338 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3 ba · 2,284 sqft · built 2005
Lot Size	0.076 acres (3,300 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Nov 2024)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-243456`

Property Details

APN / Parcel Number

Primary APN	`07-243456`
Alternative APN	`243456`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,284 sqft Living Area
1st Floor Area	904 sqft
Basement Area	500 sqft
Finished Basement	500 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	3,300 sqft (0.076 acres)
Deck Area	280 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	243456
Street Address	9338 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7339
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LT 12053 SEC M11-M13 3,300 SQ FT VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SECS M-11 M-12
Legal Lot Number	12053
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
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	9338 PENROSE ST, FREDERICK, MD 21704-7339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit MID-ATLANTIC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2024 · Amount on Record
Deed Sale	Nov 6, 2024 · Amount on Record
Prior Sale	Jul 26, 2005 · Amount on Record
Deed Book / Page	17101 / 268
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9338 PENROSE ST, FREDERICK, MD 21704-7339
Transaction Type	Mortgage
Record Updated	Apr 25, 2023
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9338 PENROSE ST, FREDERICK, MD 21704-7339

Mortgage

Document Number	0163840039
Date	Apr 3, 2023
Book Page	16384/39

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9338 PENROSE ST, FREDERICK, MD 21704-7339
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116080400
Date	Jan 10, 2017
Book Page	11608/0400
Instrument	11608-0400

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	CLEVERDALE, NY 12820

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$487,667 (+26.5%)	$528,500 (+30.17%) Land $170,000 Building $358,500
2025	$6,444.00 (+16.32%)
2023	$5,540.00 Homeowner's exemption	$385,500	$406,000 Land $135,000 Building $271,000

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
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

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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