20 Willard St, Hagerstown, MD 21740 Property Records

Washington County property record for 20 Willard St, Hagerstown, MD 21740

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,456 sqft · built 1925
Lot Size	0.125 acres (5,448 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Apr 2026)
Tax Bill	$1,838 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-009060`

Property Details

APN / Parcel Number

Primary APN	`22-009060`
Alternative APN	`009060`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,456 sqft Total Area
Attic	Attic
Attic Area	342 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,448 sqft (0.125 acres)
Porch	Slab
Porch Area	278 sqft
Deck Area	76 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	009060
Street Address	20 WILLARD ST
City	HAGERSTOWN
State	MD
Zip	21740-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMED
Legal Description	LOT 78A 0.125 ACRES 20 WILLARD ST
Legal Subdivision	CLEVELAND HEIGHTS
Legal Lot Number	78A
Jurisdiction	WASHINGTON MD
Township / Civil Division	22, HAGERSTOWN
Census Block Group	2
Census Block	2000
Census Tract	601

Owner

20 Willard St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 WILLARD ST, HAGERSTOWN, MD 21740-5024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 20, 2026	Deed, Transfer · FHA Mortgage NEST HOME LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on File
Deed Sale	Apr 20, 2026 · Amount on File
Prior Sale	Jul 17, 2014 · Amount on File
Deed Book / Page	7905 / 385
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	0047420007
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	20 WILLARD ST, HAGERSTOWN, MD 21740-5024
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067250356
Date	Aug 13, 2021
Book Page	6725/356

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Apr 20, 2026
Property Address	20 WILLARD ST, HAGERSTOWN, MD 21740-5024
Document Number	7905000385
Book / Page	7905 / 385
Instrument Date	Apr 6, 2026
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	STERLING SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 WILLARD ST, HAGERSTOWN, MD 21740-5024

Mortgage

Document Number	7905000392,
Date	Apr 20, 2026
Book Page	7905/392

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

Mortgage

Document Number	7905000409,
Date	Apr 20, 2026
Book Page	7905/409

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	10 Months
Due	May 1, 2036

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 20 Willard St was $1,838, up 14.7% from the year before.

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	$1,838.00 (+14.66%)	$201,767 (+14.64%)	$253,300 (+43.92%) Land $40,200 Building $213,100
2025	$1,603.00 (+8.02%)	$176,000 Land $35,200 Building $140,800	$176,000 Land $35,200 Building $140,800
2024	$1,484.00 (+8.32%)
2023	$1,370.00	$149,800	$176,000 Land $35,200 Building $140,800

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

Flood

FEMA maps place 20 Willard St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 14, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20 Willard St is low, with less than 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 97% of the US · lower than 94% 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Antietam Cable Cable · Fiber in parts of the area	1,300 / 50
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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