9435 Penrose St, Frederick, MD 21704 Property Records

Frederick County property record for 9435 Penrose St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,792 sqft · built 2006
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (Sep 2023)
Tax Bill	$9,703 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-239882`

Property Details

APN / Parcel Number

Primary APN	`07-239882`
Alternative APN	`239882`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,792 sqft Living Area
1st Floor Area	1,452 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,015 sqft (0.184 acres)
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	486 sqft
Deck Area	192 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	239882
Street Address	9435 PENROSE ST
City	FREDERICK
State	MD
Zip	21704-7311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 12170 SECT. M13-8,015 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-13
Legal Lot Number	12170
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3005
Census Tract	752202

Owner

9435 Penrose St is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	9435 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
Sep 18, 2023	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on File
Deed Sale	Sep 18, 2023 · Amount on File
Prior Sale	Oct 23, 2006 · Amount on File
Deed Book / Page	16602 / 495
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 18, 2023
Property Address	9435 PENROSE ST, FREDERICK, MD 21704-7311
Document Number	0166020495
Book / Page	16602 / 495
Map Reference	MB 76 PL 59
Instrument Date	Sep 11, 2023
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	NOT AVAILABLE, FRIENDS TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9435 PENROSE ST, FREDERICK, MD 21704-7311

Mortgage

Document Number	0016602499
Date	Sep 18, 2023
Instrument	16602/499

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9435 PENROSE ST, FREDERICK, MD 21704-7311
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150530441
Date	Jul 2, 2021
Book Page	15053/441

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	May 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 9435 Penrose St was $9,703 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		$804,233	$881,100 Land $276,900 Building $604,200
2025	$9,703.00
2023	$8,571.00	$607,200	$650,500 Land $201,500 Building $449,000

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

Flood

FEMA maps place 9435 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 9435 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.

Nearby Properties on Penrose St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures