1032 Concord St, Hagerstown, MD 21740 Property Records

Washington County property record for 1032 Concord St, Hagerstown, MD 21740

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,450 sqft · built 1922
Lot Size	0.136 acres (5,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2025)
Tax Bill	$1,575 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-021874`

Property Details

APN / Parcel Number

Primary APN	`03-021874`
Alternative APN	`021874`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,450 sqft Total Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,930 sqft (0.136 acres)
Lot Dimensions	148 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	200 sqft
Deck Area	325 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	021874
Street Address	1032 CONCORD ST
City	HAGERSTOWN
State	MD
Zip	21740-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMED
Legal Description	LT 9 40X148 0. 1032 CONCORD ST
Legal Subdivision	THE HEIGHTS
Legal Lot Number	9
Jurisdiction	WASHINGTON MD
Township / Civil Division	3, HAGERSTOWN
Census Block Group	2
Census Block	2022
Census Tract	900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1032 CONCORD ST, HAGERSTOWN, MD 21740-5202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage CITY OF HAGERSTOWN
Oct 3, 2025	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jan 9, 2020	Grant Deed, Transfer BERNARD L SR MILLS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Jan 9, 2020 · Amount on Record
Deed Book / Page	7774 / 467
Prior Transfer Date	Aug 31, 1983
Prior Transfer Doc	0749000854
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	1032 CONCORD ST, HAGERSTOWN, MD 21740-5202
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077740507
Date	Oct 3, 2025
Book Page	7774/507

Lender

Name	CITY OF HAGERSTOWN
Type	Government Agency
Address	HAGERSTOWN, MD 21740

Agreement

Amount	Amount Recorded

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 3, 2025
Property Address	1032 CONCORD ST, HAGERSTOWN, MD 21740-5202
Document Number	0077740467
Book / Page	7774 / 467
Instrument Date	Aug 29, 2025
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0007774472
Date	Oct 3, 2025
Instrument	7774/472

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2055

Mortgage

Document Number	0077740493
Date	Oct 3, 2025
Book Page	7774/493

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 9, 2020
Property Address	1032 CONCORD ST, HAGERSTOWN, MD 21740-5202
Document Number	0061550276
Book / Page	006155 / 000276
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	TRI-STATE SIGNATURE SETTLEMENTS, TRI-ST SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	376 FALCON DR FALLING WATERS WV 254193913, FALLING WATERS, WV 25419-3913

Mortgage

Document Number	61550281
Date	Jan 9, 2020
Book Page	006155/000281

Lender

Name	BERNARD L SR MILLS
Address	HAGERSTOWN, MD 21742
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 8, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,575.00 (+19.05%)	$172,900 (+19.08%)	$228,300 (+57.23%) Land $30,400 Building $197,900
2025	$1,323.00 (+17.18%)	$145,200 (+17.6%) Land $30,400 Building $114,800	$145,200 (-) Land $30,400 Building $114,800
2023	$1,129.00	$123,467	$145,200 Land $30,400 Building $114,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile, Xfinity.

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