10 W Main St, Hancock, MD 21750 Property Records

Washington County property record for 10 W Main St, Hancock, MD 21750

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 2,832 sqft · built 1896
Lot Size	0.256 acres (11,130 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Feb 2021)
Tax Bill	$2,603 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-011450`

Property Details

APN / Parcel Number

Primary APN	`05-011450`
Alternative APN	`011450`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,832 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	11,130 sqft (0.256 acres)
Lot Dimensions	159 ft deep x 70 ft wide
Porch	Slab
Porch Area	752 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	011450
Street Address	10 W MAIN ST
City	HANCOCK
State	MD
Zip	21750-1415
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	U
Legal Description	LT 70X159 0.26 AC 10 W MAIN ST BED & BREAKFAST
Jurisdiction	WASHINGTON MD
Township / Civil Division	5, HANCOCK
Census Block Group	3
Census Block	3023
Census Tract	10700

Owner

10 W Main St, a commercial property, is owned by two individuals who bought it in February 2021.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9331 CAROLINE AVE, SILVER SPRING, MD 20901-3407
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on File
Deed Sale	Feb 19, 2021 · Amount on File
Prior Sale	Nov 30, 2005
Deed Book / Page	6522 / 360
Transfer Doc	0028610297
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Feb 19, 2021
Property Address	10 W MAIN ST, HANCOCK, MD 21750-1415
Document Number	0065220360
Book / Page	6522 / 360
Instrument Date	Feb 15, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FH TITLE INSURANCE AGENCY LLC, CU TITLE INS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9331 CAROLINE AVE, SILVER SPRING, MD 20901-3407

Mortgage

Document Number	0006522365
Date	Feb 19, 2021
Instrument	6522/365

Lender

Name	OAS STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 10 W Main St was $2,603, up 7.2% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Hancock Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,603.00 (+7.21%)	$285,700 (+7.19%) Land $36,100 Building $249,600	$285,700 (-) Land $36,100 Building $249,600
2025	$2,428.00 (+7.77%)	$266,533	$285,700 Land $36,100 Building $249,600
2024	$2,253.00 (+7.9%)
2023	$2,088.00	$228,200 Land $36,100 Building $192,100	$228,200 Land $36,100 Building $192,100

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

Flood

FEMA maps place 10 W Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2004 · river or lake flooding

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

Wildfire risk around 10 W Main 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF HANCOCK serves 1,921 people · EPA ID MD0210012
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35