551 E Church Street

Frederick, MD
$ 425,000 Beds 3 Baths 1.5 Sq 1,305
Monthly Estimate* How much can I afford?

Meticulously maintained solid brick Cape Cod ideally located in the heart of Downtown Frederick! This move-in-ready home offers the perfect blend of timeless character, thoughtful updates, and exceptional pride of ownership. The main level features a spacious living room, formal dining room, updated kitchen, convenient first-floor bedroom, half bath, and an enclosed rear porch that provides additional flexible living space. Upstairs, you'll find two generously sized bedrooms and a full bath. The large unfinished basement offers abundant storage and excellent potential for future finished living space. Previously installed drain tile helps keep the basement dry, providing added peace of mind. Outdoor amenities are equally impressive, including a welcoming covered front porch, a beautifully landscaped, fully fenced backyard with paver patio that is enclosed by an elegant wrought-iron fence, a detached garage, and off-street parking for up to three vehiclesan exceptional find in downtown Frederick. Located just a few blocks from vibrant Market Street, Carroll Creek, restaurants, shopping, parks, and entertainment, this turnkey home offers the charm of downtown living with the convenience and space today's buyers are looking for.

ACTIVE

  • Price
  • $ 425,000
  • City
  • Frederick
  • Bedrooms
  • 3
  • Full Bathrooms
  • 1
  • County
  • FREDERICK
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 0.17 Acres
  • Zip
  • 21701
  • Sqr Footage
  • 1,305
  • Year Built
  • 1930
  • Taxes
  • $ 5013
  • Style
  • Cape Cod
  • MLS#
  • MDFR2083490
Listed By: Sharon Lelm with Charis Realty Group - 3018315099;
Data Source: Bright MLS

Features

General

Living Area 1305
Sewer Public Sewer
Heating Forced Air
Cooling Central A/C
Possession Settlement
Appliances Built-In Microwave,Dishwasher,Disposal,Dryer,Oven/Range - Electric,Refrigerator,Stainless Steel Appliances,Washer
Zoning M1
Garage Spaces 2.00
Patio/Porch Features Patio(s)
Architectural Style Cape Cod
Construction Materials Brick
School District FREDERICK COUNTY PUBLIC SCHOOLS
Year Built 1930
Levels 2
Tax Year 2026
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
County FREDERICK
New Construction No
Property Type Residential
HOA No
Subdivision Name DOWNTOWN FREDERICK
Garage Y/N Yes
Water Access Y/N No
Other Structures Above Grade,Below Grade
Full Baths 1
Status ACTIVE
Directions FROM EAST STREET GO EAST DOWN CHURCH STREET. 551 EAST CHURCH IS ON THE RIGHT. PARK IN THE BACK ON THE NEW PAD
City FREDERICK
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 7405.00
Tax Assessed Value 290167.0
Tax Annual Amount 5013.0
Home Warranty Y/N No
Property Condition Excellent
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 2.00
Price Per Sq Ft Total AG 325.67
Vacation Rental Y/N No
Total SQFT 1305
Standard Status Active
Year Built Source Estimated

Interior Features

Interior Amenities Dining Area,Entry Level Bedroom,Floor Plan - Traditional,Formal/Separate Dining Room,Wood Floors
Heating Fuel Natural Gas
Basement Full,Improved,Interior Access,Poured Concrete,Unfinished,Water Proofing System
Hot Water Natural Gas
Basement (Y/N) Yes
Heating Y/N Yes
Fireplace Y/N No
Above Grade Finished Area 1305
Half Baths 1
Central Air Y/N Yes
Total Bedrooms 3
Room Type Bonus Room
Main Level Bedrooms 3
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Below Grade Finished Area Source Assessor
Bathrooms Half Main Level 1
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 2

Exterior Features

Exterior Amenities Extensive Hardscape,Sidewalks,Street Lights
Pool No Pool
Fencing Fully,Wrought Iron
Lot Features Rear Yard,Level
Water Source Public
Total Parking Spaces 4
Garage Features Additional Storage Area,Garage - Rear Entry,Oversized
Type of Parking Alley,Detached Garage,Off Street
Foundation Details Block
Water View Y/N No
Lot Size Acres 0.17
Lot Size Source Estimated
Waterfront Y/N No
Land Assessed Value 186700.00
Navigable Water Y/N No
Water Oriented Y/N No
# of Detached Garage Spaces 2
Off Street - # of Spaces 2

Room Details

Bonus Room Main

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Columbia, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/24/2026 Listed $450,000
9/11/2026 6% - $425,000

Property vs Zip Code Average in 21701

Price
AVG $850K
$430K
Taxes
AVG $9,737
$5,013
Year Built
AVG 1977
1930
Visits
AVG 338
72
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

551 E Church Street Frederick, MD is a Single Family Home for sale at $425000 with 1305 sqft and a lot size of 0.17 Acres Acre(s). 551 E Church Street Frederick has 3 bedrooms, 1 baths and was built in 1930. The property's zip code is 21701 which is in Frederick, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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