1. Home
  2. Maryland
  3. Frederick County
  4. Frederick
  5. Merchant St

2442 Merchant St, Frederick, MD 21701 Property Records

Frederick County property record for 2442 Merchant St, Frederick, MD 21701

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,998 sqft · built 1996
Lot Size0.129 acres (5,629 sqft)
OwnerIndividual Name on File
Last Sale$577,000 (Nov 2023)
Tax Bill$6,263 (2023)
Deeds & MortgagesNov 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-196719

Property Details

APN / Parcel Number

Primary APN02-196719
Alternative APNs
  • 2196719
  • 196719

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,998 sqft Total Area
1st Floor Area1,343 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area5,629 sqft (0.129 acres)
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Porch
Porch Area274 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number196719
Old Parcel Number2196719
Street Address2442 MERCHANT ST
CityFREDERICK
StateMD
Zip21701-3201
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePND
Legal DescriptionLOT 1 BLK F SECT 2 PLAT 9 5,629 SQ. FT. WORMAN'S MILL
Legal SubdivisionWORMANS MILL SEC 02 09
Legal BlockF
Legal Lot Number1
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group4
Census Block4023
Census Tract750802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually ListedOld 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.

Owner

2442 Merchant St is owned and occupied by an individual who bought it in November 2023.

Source: Frederick County records, as of January 17, 2024

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2442 MERCHANT ST, FREDERICK, MD 21701-3201
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 8, 2023 · Amount on File
Deed SaleNov 8, 2023 · Amount on File
Prior SaleNov 7, 2016 · Amount on File
Deed Document Number0016663108
Deed Book / Page16663 / 108
Record UpdatedJun 7, 2026

November 2023: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateNov 8, 2023
Property Address2442 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number0166630108
Book / Page16663 / 108
Map ReferenceMB 54 PL 192
Instrument DateNov 1, 2023
Transaction TypeTransfer
Record UpdatedJan 18, 2024
Title CompanyNOT AVAILABLE, FRIENDS TITLE & ESCROW CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,885.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2442 MERCHANT ST, FREDERICK, MD 21701-3201

Mortgage

Document Number0016663113
DateNov 8, 2023
Instrument16663/113
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2053

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$6,263.00 Homeowner's exemption$370,967$460,500 Land $153,600 Building $306,900

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

Flood

FEMA maps place 2442 Merchant St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4 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

The area around 2442 Merchant St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land 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 SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 514 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: AT&T, Glo Fiber, Verizon.

Nearby Properties on Merchant St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures