385 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 385 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,026 sqft · built 1962
Lot Size	0.163 acres (7,080 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2006)
Tax Bill	$4,996 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-040115`

Property Details

APN / Parcel Number

Primary APN	`02-040115`
Alternative APNs	`2040115` `040115`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,026 sqft Living Area
Gross Area	1,533 sqft
1st Floor Area	1,026 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,080 sqft (0.163 acres)
Lot Dimensions	118 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	040115
Street Address	385 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	L 14 B G 60X118 385 PEARL ST. FREDERICK
Legal Subdivision	CARROLLTON SEC IV
Legal Block	G
Legal Lot Number	14
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3021
Census Tract	765100

Historic Designation

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.

Owner

Source: Frederick County records, as of August 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	385 PEARL ST, FREDERICK, MD 21701-6401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2006 · Amount on Record
Deed Sale	Apr 12, 2006 · Amount on Record
Prior Sale	Nov 15, 2004 · Amount on Record
Deed Document Number	200662521
Deed Book / Page	5957 / 540
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	385 PEARL ST, FREDERICK, MD 21701-6401
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157570322
Date	Mar 1, 2022
Book Page	15757/322

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$281,967 (+34.33%)	$308,100 (+14.58%) Land $160,400 Building $147,700
2025	$4,996.00 (+29.4%)
2023	$3,861.00	$209,900	$268,900 Land $133,300 Building $135,600

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	1 in force

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	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.

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 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