2451 Merchant St, Frederick, MD 21701 Property Records

Frederick County property record for 2451 Merchant St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,276 sqft · built 1996
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$391,000 (Sep 2020)
Tax Bill	$7,355 (2024)
Deeds & Mortgages	May 2022 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-196778`

Property Details

APN / Parcel Number

Primary APN	`02-196778`
Alternative APNs	`2196778` `196778`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,276 sqft Living Area
Gross Area	2,420 sqft
1st Floor Area	1,536 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	196778
Street Address	2451 MERCHANT ST
City	FREDERICK
State	MD
Zip	21701-3201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 18 BLK B SECT 2 PLAT 9 5,100 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Block	B
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4019
Census Tract	750802

Historic Designation

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.

Owner

Source: Frederick County records, as of August 4, 2025

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	2451 MERCHANT ST, FREDERICK, MD 21701-3201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Intrafamily Transfer, Transfer
Sep 28, 2020	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jun 26, 1996 · Amount on Record
Deed Book / Page	14110 / 498
Last Transfer Date	Mar 24, 2022
Transfer Doc	0159240135
Record Updated	Jun 8, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	May 17, 2022
Property Address	2451 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0159240135
Book / Page	15924 / 135
Map Reference	MB 54 PL 192
Instrument Date	Mar 24, 2022
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2451 MERCHANT ST, FREDERICK, MD 21701-3201

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 28, 2020
Property Address	2451 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0141100498
Book / Page	14110 / 498
Map Reference	MB 54 PL 192
Instrument Date	Sep 22, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2451 MERCHANT ST, FREDERICK, MD 21701-3201

Mortgage

Document Number	14110504
Date	Sep 28, 2020
Instrument	14110/504

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$414,200 (+9.33%) Land $153,100 Building $261,100	$414,200 (-) Land $153,100 Building $261,100
2024	$7,355.00 (+6.63%)
2023	$6,898.00 Homeowner's exemption	$378,867	$414,200 Land $153,100 Building $261,100

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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

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.

Drinking Water

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

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 514 locations within half a mile, as of December 31, 2025

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

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

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