9401 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9401 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,282 sqft · built 2005
Lot Size	0.201 acres (8,751 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Jul 2024)
Tax Bill	$9,844 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-243235`

Property Details

APN / Parcel Number

Primary APN	`07-243235`
Alternative APN	`243235`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,282 sqft Living Area
1st Floor Area	1,452 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,751 sqft (0.201 acres)
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	392 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	243235
Street Address	9401 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LT 12169 SEC M11-M13 8,751 SQ FT VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA
Legal Lot Number	12169
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3005
Census Tract	752202

Owner

9401 Penrose St is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	9401 PENROSE ST, FREDERICK, MD 21704-7311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 13, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on File
Deed Sale	Jul 9, 2024 · Amount on File
Prior Sale	Jun 2, 2007
Deed Book / Page	16934 / 93
Prior Transfer Date	May 1, 2007
Prior Transfer Doc	0066080479
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9401 PENROSE ST, FREDERICK, MD 21704-7311
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9401 PENROSE ST, FREDERICK, MD 21704-7311

Mortgage

Document Number	0176810438
Date	Jan 13, 2026
Book Page	17681/438

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	WASHINGTON, DC 20006

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Jan 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9401 PENROSE ST, FREDERICK, MD 21704-7311
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MICHAELS T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9401 PENROSE ST, FREDERICK, MD 21704-7311

Mortgage

Document Number	0140070095
Date	Aug 24, 2020
Book Page	14007/95

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9401 Penrose St was $9,844 with a homeowner's exemption, up 13.8% 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		$756,133 (+8.4%)	$814,700 (-) Land $277,400 Building $537,300
2025	$9,844.00 (+13.82%)	$697,567	$814,700 Land $277,400 Building $537,300
2024	$8,649.00 (+7.29%)
2023	$8,061.00 Homeowner's exemption	$595,400	$639,000 Land $201,800 Building $437,200

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

Flood

FEMA maps place 9401 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 9401 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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