9388 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9388 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,572 sqft · built 2005
Lot Size	0.076 acres (3,300 sqft)
Owner	2 Individual Names on File
Last Sale	$357,000 (Sep 2018)
Tax Bill	$6,496 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-241070`

Property Details

APN / Parcel Number

Primary APN	`07-241070`
Alternative APN	`241070`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,572 sqft Living Area
1st Floor Area	892 sqft
Basement Area	800 sqft
Finished Basement	800 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	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	241070
Street Address	9388 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 12078 3,300 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA
Legal Lot Number	12078
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752202

Owner

9388 Penrose St, a townhouse, is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	9388 PENROSE ST, FREDERICK, MD 21704-7339
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
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST 2ND MORTGAGE CO OF NEW JERSEY INC
Sep 27, 2018	Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on File
Deed Sale	Sep 27, 2018 · Amount on File
Prior Sale	Sep 27, 2018 · Amount on File
Deed Book / Page	12642 / 366
Prior Transfer Date	Aug 7, 2008
Prior Transfer Doc	0070840009
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9388 PENROSE ST, FREDERICK, MD 21704-7339
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9388 PENROSE ST, FREDERICK, MD 21704-7339

Mortgage

Document Number	0161500412
Date	Sep 26, 2022
Book Page	16150/412

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9388 PENROSE ST, FREDERICK, MD 21704-7339
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	QUICKSILVA TITLE LLC, QUICKSILVA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145830160
Date	Feb 23, 2021
Book Page	14583/160

Lender

Name	1ST 2ND MORTGAGE CO OF NEW JERSEY INC
Type	Mortgage Company
Address	CRESSKILL, NJ 07626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 27, 2018
Property Address	9388 PENROSE ST, FREDERICK, MD 21704-7339
Document Number	0126420366
Book / Page	12642 / 0366
Map Reference	MB76 PG187
Instrument Date	Sep 5, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9388 PENROSE ST, FREDERICK, MD 21704-7339

Mortgage

Document Number	0012642374
Date	Sep 27, 2018
Instrument	12642/374

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9388 Penrose St was $6,496, up 6.1% from the year before.

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		$486,600 (+7.87%)	$522,100 (-) Land $170,000 Building $352,100
2025	$6,496.00 (+6.07%)	$451,100	$522,100 Land $170,000 Building $352,100
2024	$6,124.00 (+7.31%)
2023	$5,707.00	$394,633	$415,600 Land $135,000 Building $280,600

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

Flood

FEMA maps place 9388 Penrose 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

The area around 9388 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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