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403 Elm St, Frederick, MD 21701 Property Records

Frederick County property record for 403 Elm St, Frederick, MD 21701 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms4 Baths
Architecture StyleConventional
Year BuiltBuilt 1903
Square Footage3,220 sqft Living Area
Lot Size10,200 sqft (0.234 acres)
OccupancyOwner Occupied
Last Sale$765,000 (2021)
Tax Bill$10,415.00 (2025)

Property Details

APN / Parcel Number

Primary APN02-102218
Alternative APNs
  • 2102218
  • 102218

Interior

Full Baths4 Baths
Building Area3,220 sqft Living Area
1st Floor1,820 sqft 1st Floor
Basement Area500 sqft Basement
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1903
Effective Year BuiltEffective 1903
Architectural StyleConventional Style
Construction TypeFrame Construction
Roof MaterialComposition Shingle Roof
Lot Area10,200 sqft (0.234 acres)
Depth X Width120 ft x 85 ft Depth x Width
Patio Area136 sqft Patio
Porch Area475 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemRadiant Heating
SewageMunicipal Sewage

Location & Zoning

Account Number102218
Street Address403 ELM ST
CityFREDERICK
StateMD
Zip21701-4923
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLTS 13-14-15 85 X 120 403 ELM ST.
Legal SubdivisionFREDERICK CITY MFG & DEVELOPME
Legal Lot Number13-15
JurisdictionFREDERICK MD
Minor Civil Division2, FREDERICK
Census Blockgroup1
Census Block1026
Census Tract750600

Owner

Source: Frederick County records · APN 02-102218

Assessment roll updated August 4, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address403 ELM ST, FREDERICK, MD 21701-4923
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingTenant By Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2021Deed, Transfer · Conventional Mortgage
APEX HOME LOANS INC
Nov 18, 2019Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 24, 2021 · Amount on Record
Deed SaleMar 24, 2021 · Amount on Record
Prior SaleJun 21, 2005 · Amount on Record
Deed Book / Page14692 / 407
Prior Transfer DateAug 04, 2015
Prior Transfer Doc0107030051
Record RefreshedJun 08, 2026

March 2021: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateMar 24, 2021
Property Address403 ELM ST, FREDERICK, MD 21701-4923
Document Number0146920407
Book / Page14692 / 407
Map ReferenceLB WIP 13 FO 335
Instrument DateMar 12, 2021
Transaction TypeTransfer
Record UpdatedAug 09, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,912.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address403 ELM ST, FREDERICK, MD 21701-4923

Mortgage

Document Number14692415
DateMar 24, 2021
Instrument14692/415
Lender
NameAPEX HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address403 ELM ST, FREDERICK, MD 21701-4923
Document Number0134430272
Instrument DateNov 18, 2019
Transaction TypeMortgage
Record UpdatedJan 24, 2020
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address403 ELM ST FREDERICK MD 217014923, FREDERICK, MD 21701-4923

Mortgage

Document Number0134430272
DateJan 06, 2020
Book Page013443/000272
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 05, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$10,415.00 (+4.86%) Homeowner's exemption$673,700 (+23.07%) Land $166,900 Building $506,800$673,700 (-) Land $166,900 Building $506,800
2024$9,932.00 (+7.3%)
2023$9,256.00 Homeowner's exemption$547,433$673,700 Land $166,900 Building $506,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Hood College Historic District
listed 2002 · 31 contributing resources · NRIS 02001581
Individually ListedOld National Pike Milestones
listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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