Frederick County property record for 9404 Penrose St, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,740 sqft · built 2005 |
| Lot Size | 0.228 acres (9,967 sqft) |
| Owner | Individual Name on File |
| Last Sale | $685,000 (Jun 2016) |
| Tax Bill | $10,946 (2023) |
| Deeds & Mortgages | Nov 2022 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-237901 |
| Primary APN | 07-237901 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,740 sqft Total Area |
| 1st Floor Area | 1,904 sqft |
| Basement Area | 1,870 sqft |
| Finished Basement | 1,870 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,967 sqft (0.228 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 366 sqft |
| Patio Area | 840 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 237901 |
|---|---|
| Street Address | 9404 PENROSE ST |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 14069 SECT. M-14 9,967 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES/URBANA SEC M-14 |
| Legal Lot Number | 14069 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 752202 |
9404 Penrose St is owned and occupied by an individual who bought it in June 2016.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9404 PENROSE ST, FREDERICK, MD 21704-7337 |
| 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.
| Date | Document |
|---|---|
| Nov 21, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2016 · Amount on File |
| Deed Sale | Jun 23, 2016 · Amount on File |
| Prior Sale | Feb 10, 2012 · Amount on File |
| Deed Document Number | 0011213104 |
| Deed Book / Page | 11213 / 104 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9404 PENROSE ST, FREDERICK, MD 21704-7337 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9404 PENROSE ST, FREDERICK, MD 21704-7337 |
| Document Number | 0162310334 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | 16231/334 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9404 PENROSE ST, FREDERICK, MD 21704-7337 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0136160331 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 13616/331 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $10,946.00 Homeowner's exemption | $806,667 | $861,600 Land $202,400 Building $659,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9404 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 risk around 9404 Penrose St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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