2470 Merchant St, Frederick, MD 21701 Property Records

Frederick County property record for 2470 Merchant St, Frederick, MD 21701

Property Summary

Property Type	Apartments (5+ Units)
Details	64,083 sqft · built 2018
Lot Size	1.48 acres (64,469 sqft)
Owner	Company Name on Record
Tax Bill	$125,580 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-591649`

Property Details

APN / Parcel Number

Primary APN	`02-591649`
Alternative APN	`591649`

Interior

Units	45 Units
Stories	3 Stories
Building Area	64,083 sqft Living Area
1st Floor Area	64,083 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Brick
Lot Area	64,469 sqft
View / Lot	Commercial/Industrial

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	591649
Street Address	2470 MERCHANT ST
City	FREDERICK
State	MD
Zip	21701-3448
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	PARCEL B BLK D 1.48 ACRES WORMANS MILL VILLAGE CE
Legal Block	D
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4023
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 7, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5283 CORPORATE DR, 300, FREDERICK, MD 21703-2880
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2017	Grant Deed, Mortgage M&T RLTY CAP
Sep 20, 2017	Grant Deed, Mortgage M&T RLTY CAP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 20, 2017
Property Address	2470 MERCHANT ST, FREDERICK, MD 21701-3448
Document Number	0120370236
Book / Page	012037 / 000236
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5283 CORPORATE DR #300 FREDERICK MD 217032880, 300, FREDERICK, MD 21703-2880

Mortgage

Document Number	120370236
Date	Sep 20, 2017
Book Page	012037/000236

Lender

Name	M&T RLTY CAP
Type	Funding / Finance Company
Address	25 S CHARLES ST, BALTIMORE, MD 21201-3330

Agreement

Amount	Amount Recorded
Term	504 Months
Due	Sep 19, 2059

September 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 20, 2017
Property Address	2470 MERCHANT ST, FREDERICK, MD 21701-3448
Document Number	0120370235
Book / Page	012037 / 000235
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5283 CORPORATE DR #300 FREDERICK MD 217032880, 300, FREDERICK, MD 21703-2880

Mortgage

Document Number	120370235
Date	Sep 20, 2017
Book Page	012037/000235

Lender

Name	M&T RLTY CAP
Type	Funding / Finance Company
Address	25 S CHARLES ST # 17TH, BALTIMORE, MD 21201-3330

Agreement

Amount	Amount Recorded
Term	504 Months
Due	Sep 19, 2059

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$7,942,500 (+80.86%) Land $501,400 Building $7,441,100	$7,942,500 (+80.86%) Land $501,400 Building $7,441,100
2025	$125,580.00 (+54.75%)
2023	$81,151.00	$4,391,500 Land $501,400 Building $3,890,100	$4,391,500 Land $501,400 Building $3,890,100

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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