2551 Bear Den Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2551 Bear Den Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,552 sqft · built 1998
Lot Size	0.167 acres (7,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (Dec 2013)
Tax Bill	$8,524 (2024)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-212420`

Property Details

APN / Parcel Number

Primary APN	`02-212420`
Alternative APNs	`2212420` `212420`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,552 sqft Living Area
Gross Area	2,952 sqft
1st Floor Area	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,252 sqft (0.167 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	126 sqft
Deck Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	212420
Street Address	2551 BEAR DEN RD
City	FREDERICK
State	MD
Zip	21701-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 72 SEC 3 PLAT 4 BLK H-7252 SQ FT WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Block	H
Legal Lot Number	72
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4010
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	2551 BEAR DEN RD, FREDERICK, MD 21701-5231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIVERSIFIED FINANCIAL MORTGAGE CORP
Jul 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2013 · Amount on Record
Deed Sale	Dec 26, 2013 · Amount on Record
Prior Sale	Nov 20, 2013 · Amount on Record
Deed Book / Page	9898 / 419
Transfer Doc	0051210398
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2551 BEAR DEN RD, FREDERICK, MD 21701-5231
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116190275
Date	Jan 17, 2017
Book Page	11619/0275
Instrument	11619-0275

Lender

Name	DIVERSIFIED FINANCIAL MORTGAGE CORP
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2551 BEAR DEN RD, FREDERICK, MD 21701-5231
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0125140219
Date	Jul 12, 2018
Book Page	12514/0219

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Jun 27, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2551 BEAR DEN RD, FREDERICK, MD 21701-5231
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150540162
Date	Jul 2, 2021
Book Page	15054/162

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

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		$508,900 (+23.61%) Land $155,200 Building $353,700	$508,900 (-) Land $155,200 Building $353,700
2024	$8,524.00 (+13.82%)
2023	$7,489.00	$411,700	$508,900 Land $155,200 Building $353,700

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	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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