9431 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9431 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,640 sqft · built 2004
Lot Size	0.056 acres (2,429 sqft)
Owner	2 Trust Names on File
Last Sale	$432,090 (Feb 2005)
Tax Bill	$6,981 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-239904`

Property Details

APN / Parcel Number

Primary APN	`07-239904`
Alternative APN	`239904`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Living Area
1st Floor Area	920 sqft
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,429 sqft (0.056 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	239904
Street Address	9431 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7311
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 12172 SECT. M13-2,429 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	12172
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3005
Census Tract	752202

Owner

9431 Penrose St, a townhouse, is held in a trust since July 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	7425 NEEDWOOD RD, DERWOOD, MD 20855-1934
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Apr 14, 2026	Deed, Transfer SAKSON SETTLEMENTS
Apr 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 23, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 23, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2005 · Amount on File
Deed Sale	Feb 25, 2005 · Amount on File
Deed Document Number	200551249
Deed Book / Page	5151 / 745
Last Transfer Date	Jul 20, 2021
Transfer Doc	0151170153
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 14, 2026
Property Address	9431 PENROSE ST, FREDERICK, MD 21704-7311
Document Number	0178170314
Book / Page	17817 / 314
Instrument Date	Apr 14, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	SAKSON SETTLEMENTS

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7425 NEEDWOOD RD, DERWOOD, MD 20855-1934

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 14, 2026
Property Address	9431 PENROSE ST, FREDERICK, MD 21704-7311
Document Number	1781000044
Book / Page	17816 / 44
Instrument Date	Apr 5, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7425 NEEDWOOD RD, DERWOOD, MD 20855-1934

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jul 23, 2021
Property Address	9431 PENROSE ST, FREDERICK, MD 21704-7311
Document Number	0151170153
Book / Page	15117 / 153
Map Reference	MB 76 PG 59
Instrument Date	Jul 20, 2021
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7425 NEEDWOOD RD, DERWOOD, MD 20855-1934

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9431 PENROSE ST, FREDERICK, MD 21704-7311
Document Number	0128370263
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9431 PENROSE ST FREDERICK MD 217047311, FREDERICK, MD 21704-7311

Mortgage

Document Number	0128370263
Date	Jan 1, 2019
Book Page	012837/000263

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 31, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9431 Penrose St was $6,981, up 6.9% 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		$532,433 (+8.49%)	$574,100 (-) Land $170,000 Building $404,100
2025	$6,981.00 (+6.91%)	$490,767	$574,100 Land $170,000 Building $404,100
2024	$6,530.00 (+7.65%)
2023	$6,066.00	$425,233	$449,100 Land $135,000 Building $314,100

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

Flood

FEMA maps place 9431 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 9431 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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