Frederick County property record for 2447 Merchant St, Frederick, MD 21701 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,406 sqft · built 1995 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $638,500 (Jul 2026) |
| Tax Bill | $7,790 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-196751 |
| Primary APN | 02-196751 |
|---|---|
| Alternative APNs |
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| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,406 sqft Living Area |
| 1st Floor Area | 1,498 sqft 1st Floor |
| Basement Area | 300 sqft Basement |
| Finished Basement | 300 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,100 sqft (0.117 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached |
| Garage Area | 420 sqft Garage |
| Patio Area | 168 sqft Patio |
| Porch | Open Porch |
| Porch Area | 137 sqft Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 196751 |
|---|---|
| Street Address | 2447 MERCHANT ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLK B SECT 2 PLAT 9-5,100 SQ. FT. WORMANS MILL |
| Legal Subdivision | WORMANS MILL |
| Legal Block | B |
| Legal Lot Number | 17 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 750802 |
Source: Frederick County records · APN 02-196751
Assessment roll updated August 4, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 2447 MERCHANT ST, FREDERICK, MD 21701-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on Record |
| Deed Sale | Jul 14, 2026 · Amount on Record |
| Prior Sale | Jul 31, 2015 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 17957 / 134 |
| Transfer Doc | 0000002547 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 14, 2026 |
| Property Address | 2447 MERCHANT ST, FREDERICK, MD 21701-3201 |
| Document Number | 1795000134 |
| Book / Page | 17957 / 134 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $644,885.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2447 MERCHANT ST, FREDERICK, MD 21701-3201 |
| Document Number | 1795000140, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 17957/140 |
| Name | PRESIDENTIAL BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,790.00 (+12.46%) Homeowner's exemption | $471,800 (+24.01%) Land $153,100 Building $318,700 | $471,800 (-) Land $153,100 Building $318,700 |
| 2023 | $6,927.00 | $380,467 | $471,800 Land $153,100 Building $318,700 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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