400 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 400 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,534 sqft · built 1955
Lot Size	0.244 acres (10,625 sqft)
Owner	Individual Name on Record
Tax Bill	$2,296 (2024)
Deeds & Mortgages	Mar 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-026600`

Property Details

APN / Parcel Number

Primary APN	`02-026600`
Alternative APNs	`2026600` `026600`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,534 sqft Living Area
Gross Area	3,158 sqft
1st Floor Area	1,834 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,625 sqft (0.244 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	026600
Street Address	400 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	L 6 B G 85X125 400 PEARL ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	G
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1013
Census Tract	765100

Owner

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	Individual Name on Record
Mailing Address	400 PEARL ST, FREDERICK, MD 21701-6407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2008
Deed Sale	Sep 17, 2008
Prior Sale	Aug 6, 1987 · Amount on Record
Deed Document Number	200884107
Deed Book / Page	7081 / 1
Prior Transfer Date	Sep 5, 2008
Prior Transfer Doc	0070810001
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	400 PEARL ST, FREDERICK, MD 21701-6407
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 PEARL ST, FREDERICK, MD 21701-6407

Mortgage

Document Number	0167890359
Date	Mar 11, 2024
Book Page	16789/359

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 10, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$442,200 (+27.19%) Land $147,500 Building $294,700	$442,200 (-) Land $147,500 Building $294,700
2024	$2,296.00 (-60.24%)
2023	$5,775.00 Homeowner's exemption	$347,667	$442,200 Land $147,500 Building $294,700

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

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

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