Frederick County property record for 20 E Main St, Emmitsburg, MD 21727
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,368 sqft · built 1900 |
| Lot Size | 0.166 acres (7,236 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Mar 2006) |
| Tax Bill | $4,138 (2025) |
| Deeds & Mortgages | Oct 2020 Reverse Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-172861 |
| Primary APN | 05-172861 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,368 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 7,236 sqft (0.166 acres) |
| Lot Dimensions | 185 ft deep x 26.9 ft wide |
| Deck Area | 160 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 172861 |
|---|---|
| Street Address | 20 E MAIN ST |
| City | EMMITSBURG |
| State | MD |
| Zip | 21727-9210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 26.9 X 185 E. MAIN ST. EMMITSBURG |
| Legal Subdivision | EMMITSBURG |
| Legal Lot Number | 26 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 5, EMMITSBURG |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 766800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Emmitsburg Historic District (Additional Documentation) listed 1992 · 217 contributing resources · NRIS 92000076 |
|---|
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 August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 1017, EMMITSBURG, MD 21727-1017 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2020 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| Aug 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2006 · Amount on Record |
| Deed Sale | Mar 3, 2006 · Amount on Record |
| Prior Sale | May 8, 2001 · Amount on Record |
| Deed Document Number | 200661560 |
| Deed Book / Page | 5888 / 425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 E MAIN ST, EMMITSBURG, MD 21727-9210 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | THE SOUTH MOUNTAIN GROUP INC |
| Name | Verified Name |
|---|---|
| Address | 20 E MAIN ST, EMMITSBURG, MD 21727-9210 |
| Document Number | 0141500051 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 14150/51 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LAKEWOOD, NJ 08701 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 864 Months |
| Due | Oct 10, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.82% |
| Type Change Date | Sep 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 E MAIN ST, EMMITSBURG, MD 21727-9210 |
| Document Number | 0141500074 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 E MAIN ST EMMITSBURG MD 217279210, EMMITSBURG, MD 21727-9210 |
| Document Number | 0141500074 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 014150/000074 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 864 Months |
| Due | Oct 5, 2092 |
| Rate Type | Adjustable Rate |
|---|
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Emmitsburg Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $301,900 (+29.68%) Land $50,800 Building $251,100 | $301,900 (+29.68%) Land $50,800 Building $251,100 | |
| 2025 | $4,138.00 (+14.25%) | ||
| 2023 | $3,622.00 | $232,800 Land $40,800 Building $192,000 | $232,800 Land $40,800 Building $192,000 |
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 · 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 | 3 in force |
| Nearby Flood Claims | 12 (1979–2018) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | Nov 2018 · rainfall accumulation |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF EMMITSBURG serves 2,921 people · EPA ID MD0100010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2017–2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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