2459 Merchant St, Frederick, MD 21701 Property Records

Frederick County property record for 2459 Merchant St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,920 sqft · built 1996
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Feb 2020)
Tax Bill	$6,465 (2023)
Deeds & Mortgages	Feb 2019 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-196794`

Property Details

APN / Parcel Number

Primary APN	`02-196794`
Alternative APNs	`2196794` `196794`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,920 sqft Total Area
1st Floor Area	1,188 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 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	Open Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	196794
Old Parcel Number	2196794
Street Address	2459 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 20 BLK B SECT 2 PLAT 9 5,100 SQ. FT. WORMAN'S MILL
Legal Subdivision	WORMANS MILL
Legal Block	B
Legal Lot Number	20
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 September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3008 HILL ST UNIT 105, 105, LYNCHBURG, VA 24501-2554
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU
Feb 28, 2020	Special Warranty Deed, Transfer · Conventional Mortgage REDFIN MORTGAGE LLC
May 15, 2018	Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	0001355784
Deed Book / Page	13557 / 84
Record Updated	Jun 7, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2459 MERCHANT ST, FREDERICK, MD 21701-3201
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128360332
Date	Feb 14, 2019
Book Page	12836/0332

Lender

Name	MANUFACTURERS TRADERS TRUST CO
Type	Lending Institution
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2459 MERCHANT ST, FREDERICK, MD 21701-3201
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141850266
Date	Oct 20, 2020
Book Page	14185/266

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 28, 2020
Property Address	2459 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0135570084
Book / Page	13557 / 84
Map Reference	MB 54 PL 192
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 OLD ISLAND CT, 210, WALKERSVILLE, MD 21793-6008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3008 HILL ST UNIT 105, 105, LYNCHBURG, VA 24501-2554
Investor	Possibly a Property Investor

Mortgage

Document Number	135570091
Date	Feb 28, 2020
Instrument	13557/0091

Lender

Name	REDFIN MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 15, 2018
Property Address	2459 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0124150023
Book / Page	012415 / 000023
Instrument Date	May 9, 2018
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2459 MERCHANT ST FREDERICK MD 217013201, FREDERICK, MD 21701-3201

Mortgage

Document Number	124150031
Date	May 15, 2018
Book Page	012415/000031

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

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

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
2023	$6,465.00	$354,767	$440,900 Land $153,100 Building $287,800

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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