Frederick County property record for 1497 W 10th St, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,776 sqft · built 1965 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Apr 2026) |
| Tax Bill | $5,336 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Feb 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-096226 |
| Primary APN | 02-096226 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,776 sqft Living Area |
| Gross Area | 2,347 sqft |
| 1st Floor Area | 1,015 sqft |
| Basement Area | 761 sqft |
| Finished Basement | 761 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 319 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 096226 |
|---|---|
| Street Address | 1497 W 10TH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21702-4450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT 9 BK C 65 X 100 1497 WEST 10TH ST FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 9 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 750702 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Frederick County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Warranty Deed, Transfer · VA Mortgage UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Feb 10, 2023 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Apr 3, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2026 · Amount on Record |
| Deed Sale | Apr 22, 2026 · Amount on Record |
| Prior Sale | Feb 10, 2023 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 17827 / 183 |
| Prior Transfer Date | May 16, 2007 |
| Prior Transfer Doc | 0066160185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 22, 2026 |
| Property Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Document Number | 1782000183 |
| Book / Page | 17827 / 183 |
| Instrument Date | Apr 7, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2026 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $439,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Document Number | 1782000192, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 17827/192 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 10, 2023 |
| Property Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Document Number | 0163270183 |
| Book / Page | 16327 / 183 |
| Map Reference | MB 3 FO 177 |
| Instrument Date | Sep 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Title Company | HERITAGE TITLE LIMITED, HERITAGE TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Document Number | 0016327190 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 16327/190 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1497 W 10TH ST, FREDERICK, MD 21702-4450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|
| Document Number | 0117440508 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 11744/0508 |
| Instrument | 11744-0508 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Mar 22, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $311,000 (+14.17%) Land $102,500 Building $208,500 | $311,000 (-) Land $102,500 Building $208,500 | |
| 2024 | $5,336.00 (+7.06%) | ||
| 2023 | $4,984.00 | $272,400 | $311,000 Land $102,500 Building $208,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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