9381 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9381 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,748 sqft · built 2005
Lot Size	0.065 acres (2,847 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Mar 2022)
Tax Bill	$7,210 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-241151`

Property Details

APN / Parcel Number

Primary APN	`07-241151`
Alternative APN	`241151`

Interior

Full Baths	3.5 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	2,847 sqft (0.065 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	241151
Street Address	9381 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 12139 2,847 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SECS M-11 13
Legal Lot Number	12139
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3006
Census Tract	752202

Owner

9381 Penrose St, a townhouse, is owned and occupied by an individual who bought it in March 2022.

Source: Frederick County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	9381 PENROSE ST, FREDERICK, MD 21704-7340
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 21, 2022	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Aug 4, 2005 · Amount on File
Deed Book / Page	15803 / 74
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9381 PENROSE ST, FREDERICK, MD 21704-7340
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175470453
Date	Oct 8, 2025
Book Page	17547/453

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 21, 2022
Property Address	9381 PENROSE ST, FREDERICK, MD 21704-7340
Document Number	0158030074
Book / Page	15803 / 74
Map Reference	MB 76 PG 187
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	NOT AVAILABLE, MICHAELS T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9381 PENROSE ST, FREDERICK, MD 21704-7340

Mortgage

Document Number	0001580380
Date	Mar 21, 2022
Instrument	15803/80

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 9381 Penrose St was $7,210 with a homeowner's exemption.

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		$552,567	$595,600 Land $170,000 Building $425,600
2025	$7,210.00
2023	$6,162.00	$433,467	$466,500 Land $135,000 Building $331,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9381 Penrose St in Zone X, an area of minimal flood risk.

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

The area around 9381 Penrose St has no burnable land within ember reach, so its wildfire risk is not rated.

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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