103 Franklin St, Hancock, MD 21750 Property Records

Washington County property record for 103 Franklin St, Hancock, MD 21750

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,533 sqft · built 1971
Lot Size	0.119 acres (5,200 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (May 2022)
Tax Bill	$2,307 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-004845`

Property Details

APN / Parcel Number

Primary APN	`05-004845`
Alternative APN	`004845`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,533 sqft Total Area
Basement Area	1,614 sqft
Unfinished Basement	1,614 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	5,200 sqft (0.119 acres)
Garage Type	Mixed
Garage Area	1,640 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	174 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	004845
Street Address	103 FRANKLIN ST
City	HANCOCK
State	MD
Zip	21750-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 11 BLK B 40X130 103 FRANKLIN ST
Legal Block	B
Legal Lot Number	11
Jurisdiction	WASHINGTON MD
Township / Civil Division	5, HANCOCK
Census Block Group	3
Census Block	3014
Census Tract	10700

Owner

103 Franklin St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 2, 2022	Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC
Jul 25, 2018	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on File
Deed Sale	May 2, 2022 · Amount on File
Prior Sale	Jul 25, 2018 · Amount on File
Deed Book / Page	7001 / 412
Prior Transfer Date	Mar 27, 1991
Prior Transfer Doc	0987000881
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105

Mortgage

Document Number	0077850448
Date	Oct 22, 2025
Book Page	7785/448

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2065

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	May 2, 2022
Property Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105
Document Number	0070010412
Book / Page	7001 / 412
Map Reference	FO 51
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

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
Address	103 FRANKLIN ST, 103, HANCOCK, MD 21750-1105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105

Mortgage

Document Number	0070010420
Date	May 2, 2022
Instrument	7001-0420

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jul 25, 2018
Property Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105
Document Number	0057990391
Book / Page	5799 / 0391
Map Reference	FO51
Instrument Date	Jul 10, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 FRANKLIN ST, HANCOCK, MD 21750-1105

Mortgage

Document Number	0005799398
Date	Jul 25, 2018
Instrument	5799/398

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 103 Franklin St was $2,307, up 11.6% 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	$2,307.00 (+11.56%)	$253,200 (+11.56%) Land $25,100 Building $228,100	$253,200 (-) Land $25,100 Building $228,100
2025	$2,068.00	$226,967	$253,200 Land $25,100 Building $228,100
2023	$1,596.00	$174,500 Land $25,100 Building $149,400	$174,500 Land $25,100 Building $149,400

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

Flood

FEMA maps place 103 Franklin St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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
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 103 Franklin 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

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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Upward Broadband.

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