Frederick County property record for 382 Pearl St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,768 sqft · built 1962 |
| Lot Size | 0.265 acres (11,550 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,518 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-024403 |
| Primary APN | 02-024403 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 999 sqft |
| Basement Area | 769 sqft |
| Finished Basement | 769 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,550 sqft (0.265 acres) |
| Lot Dimensions | 165 ft deep x 70 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 76 sqft |
| Deck Area | 80 sqft |
| Patio Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 024403 |
|---|---|
| Street Address | 382 PEARL ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | L 18 B I 70X165 382 PEARL ST FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Block | I |
| Legal Lot Number | 18 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 765100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 382 PEARL ST, FREDERICK, MD 21701-6417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 8, 2019 | Quit Claim Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Feb 12, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2019 |
| Deed Sale | May 8, 2019 |
| Deed Book / Page | 12957 / 320 |
| Prior Transfer Date | Apr 29, 2019 |
| Prior Transfer Doc | 0129570320 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 382 PEARL ST, FREDERICK, MD 21701-6417 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0155320456 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | 15532/456 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 382 PEARL ST, FREDERICK, MD 21701-6417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0116080344 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | 11608/0344 |
| Instrument | 11608-0344 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 8, 2019 |
| Property Address | 382 PEARL ST, FREDERICK, MD 21701-6417 |
| Document Number | 0129570320 |
| Book / Page | 012957 / 000320 |
| Instrument Date | Apr 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2019 |
| Title Company | EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 382 PEARL ST FREDERICK MD 217016417, FREDERICK, MD 21701-6417 |
| Document Number | 129570326 |
|---|---|
| Date | May 8, 2019 |
| Book Page | 012957/000326 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 7, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 12, 2019 |
| Property Address | 382 PEARL ST, FREDERICK, MD 21701-6417 |
| Document Number | 0128330182 |
| Book / Page | 012833 / 000182 |
| Instrument Date | Dec 1, 2016 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 382 PEARL STREET5 FREDERICK MD 21701, FREDERICK, MD 21701 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $371,700 (+23.94%) Land $151,200 Building $220,500 | $371,700 (-) Land $151,200 Building $220,500 | |
| 2024 | $4,518.00 (+7.26%) | ||
| 2023 | $4,212.00 Homeowner's exemption | $299,900 | $371,700 Land $151,200 Building $220,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| 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.
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 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 |
| 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 311 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 Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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