Washington County property record for 32 N Locust St, Hagerstown, MD 21740
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 5 ba · 2,440 sqft · built 1890 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on File |
| Last Sale | $170,000 (May 2017) |
| Tax Bill | $2,147 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-010646 |
| Primary APN | 22-010646 |
|---|---|
| Alternative APN |
|
| Units | 5 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 2,440 sqft Total Area |
| 1st Floor Area | 2,440 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 82 ft deep x 32 ft wide |
| Porch | Porch |
| Porch Area | 68 sqft |
| Heating System | Heat Pump |
|---|---|
| Sewer | Connected |
| Account Number | 010646 |
|---|---|
| Street Address | 32 N LOCUST ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-4928 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | CCMU |
| Legal Description | PT LOT 146 32X82 32/34 N LOCUST ST |
| Legal Subdivision | WAKEFIELD ADDITION |
| Legal Lot Number | 146 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 22, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 500 |
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.
32 N Locust St, a residential property, is owned by a company that bought it in May 2017.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 19813 LEITERSBURG PIKE, HAGERSTOWN, MD 21742-1445 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Jun 16, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF CHARLESTOWN |
| May 12, 2017 | Grant Deed, Transfer · Conventional with PMI S & F LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2017 · Amount on File |
| Deed Sale | May 12, 2017 · Amount on File |
| Prior Sale | Oct 26, 2015 · Amount on File |
| Deed Document Number | 20175502-0129 |
| Deed Book / Page | 5502 / 129 |
| Prior Transfer Date | Jul 23, 2015 |
| Prior Transfer Doc | 0050780389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 32 N LOCUST ST, HAGERSTOWN, MD 21740-4928 |
| Document Number | 0055270382 |
| Book / Page | 005527 / 000382 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 896 TRIUMPHANT WAY FALLING WATERS WV 254194281, FALLING WATERS, WV 25419-4281 |
| Document Number | 0055270382 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 005527/000382 |
| Name | BANK OF CHARLESTOWN |
|---|---|
| Type | Bank |
| Address | CHARLES TOWN, WV 25414 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 19, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 12, 2017 |
| Property Address | 32 N LOCUST ST, HAGERSTOWN, MD 21740-4928 |
| Document Number | 0055020129 |
| Book / Page | 005502 / 000129 |
| Instrument Date | May 9, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 301 W PRESTON ST BALTIMORE MD 212012305, BALTIMORE, MD 21201-2305 |
| Document Number | 55020136 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 005502/000136 |
| Name | S & F LLC |
|---|---|
| Address | 15 SUDBROOK LN, PIKESVILLE, MD 21208-4118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 32 N Locust St was $2,147, up 41.2% 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 | $2,147.00 (+41.16%) | $235,700 (+41.14%) | $373,100 (+123.41%) Land $50,000 Building $323,100 |
| 2025 | $1,521.00 | $167,000 Land $50,000 Building $117,000 | $167,000 Land $50,000 Building $117,000 |
| 2023 | $1,526.00 | $166,800 | $167,000 Land $50,000 Building $117,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 N Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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 |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | Feb 1984 · tidal / storm surge |
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.
The area around 32 N Locust St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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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