Washington County property record for 312 E Franklin St, Hagerstown, MD 21740
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1895 |
| Lot Size | 0.033 acres (1,419 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Mar 2026) |
| Tax Bill | $919 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-000438 |
| Primary APN | 22-000438 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,248 sqft Total Area |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 1,419 sqft (0.033 acres) |
| Lot Dimensions | 66 ft deep x 21 ft wide |
| Porch | Slab |
| Porch Area | 163 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 000438 |
|---|---|
| Street Address | 312 E FRANKLIN ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-4924 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RMED |
| Legal Description | 1/2 LOT 21.5X66 312 E FRANKLIN ST |
| Legal Lot Number | 312 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 22, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 601 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Hagerstown Historic District listed 1994 · 1,997 contributing resources · NRIS 93001551 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
312 E Franklin St, a townhouse, is owned and occupied by two individuals who bought it in March 2026.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 6, 2026 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| May 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage DIRECT MORTGAGE LOAN |
| May 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE DIRECT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2026 · Amount on File |
| Deed Sale | Mar 6, 2026 · Amount on File |
| Prior Sale | Dec 10, 2024 · Amount on File |
| Deed Book / Page | 7874 / 283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Mar 6, 2026 |
| Property Address | 312 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924 |
| Document Number | 0078740283 |
| Book / Page | 7874 / 283 |
| Instrument Date | Feb 27, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | FRIENDS TITLE & ESCROW CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 312 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924 |
| Document Number | 0007874291 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 7874/291 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Number | 0078740309 |
|---|---|
| Date | Mar 6, 2026 |
| Book Page | 7874/309 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HUNT VALLEY, MD 21031 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 4, 2026 |
| Property Address | 312 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924 |
| Document Number | 7918000001 |
| Book / Page | 7918 / 1 |
| Instrument Date | Feb 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 6412 OLD NATIONAL PIKE, BOONSBORO, MD 21713-2715 |
| Document Number | 7918000001, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 7918/1 |
| Name | DIRECT MORTGAGE LOAN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate | 6.1% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 4, 2026 |
| Property Address | 312 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924 |
| Document Number | 0079180001 |
| Book / Page | 7918 / 1 |
| Instrument Date | Feb 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 6412 OLD NATIONAL PIKE, BOONSBORO, MD 21713-2715 |
| Document Number | 7918000001, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 7918/1 |
| Name | MORTGAGE DIRECT LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 312 E Franklin St was $919, up 8.4% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $919.00 (+8.37%) | $100,933 (+8.41%) | $116,600 (+25.24%) Land $20,000 Building $96,600 |
| 2025 | $848.00 (+10.85%) | $93,100 Land $20,000 Building $73,100 | $93,100 Land $20,000 Building $73,100 |
| 2024 | $765.00 (+11.52%) | ||
| 2023 | $686.00 | $75,033 | $93,100 Land $20,000 Building $73,100 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 312 E Franklin St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 312 E Franklin St is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 768 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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