2481 Merchant St, Frederick, MD 21701 Property Records

Frederick County property record for 2481 Merchant St, Frederick, MD 21701

Property Summary

Property Type	Restaurant
Details	4,950 sqft · built 2018
Lot Size	0.339 acres (14,774 sqft)
Owner	Company Name on File
Tax Bill	$33,862 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-156539`

Property Details

APN / Parcel Number

Primary APN	`02-156539`
Alternative APNs	`2156539` `156539`

Interior

Stories	1 Story
Building Area	4,950 sqft Gross Area
1st Floor Area	4,950 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Lot Area	14,774 sqft (0.339 acres)
View / Lot	Commercial/Industrial

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	156539
Street Address	2481 MERCHANT ST
City	FREDERICK
State	MD
Zip	21701-3201
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	PND
Legal Description	PARCEL A BLK C SEC 1 PLAT 4 14,774 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Block	C
Legal Lot Number	A
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 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

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

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2020	Deed of Trust, Mortgage FIRST UNITED BK
Apr 7, 2017	Loan Modification, Mortgage FIRST UNITED BK
Apr 25, 2017	Loan Modification, Consolidation and Extension, Mortgage FIRST UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2481 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0136140167
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5283 CORPORATE DR FREDERICK MD 217032877, FREDERICK, MD 21703-2877

Mortgage

Document Number	0136140167
Date	Mar 26, 2020
Book Page	013614/000167

Lender

Name	FIRST UNITED BK
Type	Bank
Address	12892 GARRETT HWY # 4, OAKLAND, MD 21550-4005

Agreement

Amount	Amount on Record

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	2481 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0117840160
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

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	0117840160
Date	Apr 25, 2017
Book Page	011784/000160

Lender

Name	FIRST UNITED BK
Type	Bank
Address	FREDERICK, MD 21701

Agreement

Amount	Amount on Record

April 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	FREDERICK MD
Recording Date	Apr 25, 2017
Property Address	2481 MERCHANT ST, FREDERICK, MD 21701-3201
Document Number	0117840160
Book / Page	011784 / 000160
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
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	117840160
Date	Apr 25, 2017
Book Page	011784/000160

Lender

Name	FIRST UNITED BK
Type	Bank
Address	150 S EAST ST # 101, FREDERICK, MD 21701-6175

Agreement

Amount	Amount on Record

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		$1,892,700 (+4.32%) Land $216,500 Building $1,676,200	$1,892,700 (-) Land $216,500 Building $1,676,200
2025	$33,862.00 (+10.87%)	$1,814,333 (+9.46%)	$1,892,700 (+14.18%) Land $216,500 Building $1,676,200
2023	$30,542.00	$1,657,600 Land $114,600 Building $1,543,000	$1,657,600 Land $114,600 Building $1,543,000

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 471 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, Verizon.

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