278 W 5th St, Frederick, MD 21701 Property Records

Frederick County property record for 278 W 5th St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 2,060 sqft · built 1910
Lot Size	0.043 acres (1,898 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Jun 2018)
Tax Bill	$5,439 (2023)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-059444`

Property Details

APN / Parcel Number

Primary APN	`02-059444`
Alternative APNs	`2059444` `059444`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,060 sqft Total Area
1st Floor Area	830 sqft

Exterior

Year Built	Built 1910
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,898 sqft (0.043 acres)
Porch	Enclosed Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	059444
Old Parcel Number	2059444
Street Address	278 W 5TH ST
City	FREDERICK
State	MD
Zip	21701-4902
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LOT 1898 SQ FT 278 W 5TH STREET FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1029
Census Tract	750600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hood College Historic District listed 2002 · 31 contributing resources · NRIS 02001581
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	2 Individual Names on Record
Mailing Address	278 W 5TH ST, FREDERICK, MD 21701-4902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	Oct 15, 1998 · Amount on Record
Deed Document Number	0012465374
Deed Book / Page	12465 / 374
Record Updated	Jun 7, 2026

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 14, 2018
Property Address	278 W 5TH ST, FREDERICK, MD 21701-4902
Document Number	0124650374
Book / Page	012465 / 000374
Instrument Date	May 24, 2018
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	CERTIFIED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 W 5TH ST FREDERICK MD 217014902, FREDERICK, MD 21701-4902

Mortgage

Document Number	124650382
Date	Jun 14, 2018
Book Page	012465/000382

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 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	$5,439.00	$297,700	$358,700 Land $143,000 Building $215,700

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	3 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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 99.1% of the US · lower than 98.5% 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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