Frederick County property record for 2455 Merchant St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,895 sqft · built 1996 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Nov 2016) |
| Tax Bill | $8,716 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-196786 |
| Primary APN | 02-196786 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,895 sqft Living Area |
| 1st Floor Area | 1,276 sqft |
| Basement Area | 1,025 sqft |
| Finished Basement | 1,025 sqft |
| 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 | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 196786 |
|---|---|
| Street Address | 2455 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 19 BLK B SECT 2 PLAT 9 5,100 SQ. FT. WORMANS MILL |
| Legal Subdivision | WORMANS MILL |
| Legal Block | B |
| Legal Lot Number | 19 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 750802 |
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.
2455 Merchant St is owned and occupied by two individuals who bought it in November 2016.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2455 MERCHANT ST, FREDERICK, MD 21701-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2016 · Amount on File |
| Deed Sale | Nov 16, 2016 · Amount on File |
| Prior Sale | May 10, 2011 · Amount on File |
| Deed Document Number | 201611505-0264 |
| Deed Book / Page | 11505 / 264 |
| Prior Transfer Date | Oct 1, 2010 |
| Prior Transfer Doc | 0080180452 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2455 Merchant St was $8,716, up 9.3% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $476,267 (+0.75%) | $483,400 (+2.26%) Land $153,100 Building $330,300 | |
| 2025 | $8,716.00 (+9.25%) | $472,700 Land $153,100 Building $319,600 | $472,700 Land $153,100 Building $319,600 |
| 2024 | $7,978.00 (+12.87%) | ||
| 2023 | $7,068.00 | $388,300 | $472,700 Land $153,100 Building $319,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2455 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 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.
The area around 2455 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 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.
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 |
| 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.
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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