9374 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9374 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	4 ba · 1,760 sqft · built 2005
Lot Size	0.051 acres (2,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Aug 2017)
Tax Bill	$6,414 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-240872`

Property Details

APN / Parcel Number

Primary APN	`07-240872`
Alternative APN	`240872`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Finished Basement	880 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	2,200 sqft (0.051 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	240872
Street Address	9374 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7339
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 12071 2,200 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	TOFF VILLAGES URBANA PUD
Legal Lot Number	12071
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	2 Individual Names on Record
Mailing Address	9374 PENROSE ST, FREDERICK, MD 21704-7339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANSTEADY
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit MUNICIPAL EMPS CU/BALTIMORE
Aug 30, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Prior Sale	Dec 16, 2005 · Amount on Record
Deed Document Number	201712006-0077
Deed Book / Page	12006 / 77
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9374 PENROSE ST, FREDERICK, MD 21704-7339
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	HIGHLAND TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146000044
Date	Mar 1, 2021
Book Page	14600/44

Lender

Name	LOANSTEADY
Type	Non-Lending Institution
Address	FALLS CHURCH, VA 22043

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9374 PENROSE ST, FREDERICK, MD 21704-7339
Document Number	0133670461
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9374 PENROSE ST FREDERICK MD 217047339, FREDERICK, MD 21704-7339

Mortgage

Document Number	0133670461
Date	Nov 27, 2019
Book Page	013367/000461

Lender

Name	MUNICIPAL EMPS CU/BALTIMORE
Type	Credit Union
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 30, 2017
Property Address	9374 PENROSE ST, FREDERICK, MD 21704-7339
Document Number	0120060077
Book / Page	12006 / 0077
Map Reference	MB77 PG49
Instrument Date	Aug 26, 2017
Instrument	12006-0077
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	COMMUNITY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9374 PENROSE ST, 9374, FREDERICK, MD 21704-7339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9374 PENROSE ST, FREDERICK, MD 21704-7339

Mortgage

Document Number	120060082
Date	Aug 30, 2017
Instrument	12006-0082

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2047

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		$511,233 (+27.62%)	$551,000 (+27.63%) Land $170,000 Building $381,000
2025	$6,414.00 (+11.03%)
2023	$5,777.00	$400,600	$431,700 Land $135,000 Building $296,700

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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