314 E Franklin St, Hagerstown, MD 21740 Property Records

Washington County property record for 314 E Franklin St, Hagerstown, MD 21740

Property Summary

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 (Jun 2026)
Tax Bill	$919 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-000446`

Property Details

APN / Parcel Number

Primary APN	`22-000446`
Alternative APN	`000446`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,248 sqft Total Area

Exterior

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

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	000446
Street Address	314 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 314 E FRANKLIN ST
Legal Lot Number	314
Jurisdiction	WASHINGTON MD
Township / Civil Division	22, HAGERSTOWN
Census Block Group	2
Census Block	2007
Census Tract	601

Historic Designation

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.

Owner

314 E Franklin St, a townhouse, is owned and occupied by two individuals who bought it in June 2026.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Dec 10, 2024 · Amount on File
Deed Book / Page	7942 / 425
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 8, 2026
Property Address	314 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924
Document Number	7942000425
Book / Page	7942 / 425
Instrument Date	May 19, 2026
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,665.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	314 E FRANKLIN ST, HAGERSTOWN, MD 21740-4924

Mortgage

Document Number	7942000435,
Date	Jun 8, 2026
Book Page	7942/435

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 314 E Franklin St was $919, up 8.4% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Hagerstown City
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

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.

Flood

FEMA maps place 314 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

Wildfire risk around 314 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.

Drinking Water

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

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 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