Frederick County property record for 404 Pearl St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 936 sqft · built 1955 |
| Lot Size | 0.178 acres (7,740 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $289,999 (May 2007) |
| Tax Bill | $4,950 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-112825 |
| Primary APN | 02-112825 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,844 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 7,740 sqft (0.178 acres) |
| Lot Dimensions | 404 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 112825 |
|---|---|
| Street Address | 404 PEARL ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT #4, BLK. G, 60 X 404 PEARL ST. FREDERICK |
| Legal Subdivision | HARGETT ADD |
| Legal Block | G |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 765100 |
Source: Frederick County records, as of August 7, 2026
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 | 404 PEARL ST, FREDERICK, MD 21701-6407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC |
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit NYMEO FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2007 · Amount on Record |
| Deed Sale | May 22, 2007 · Amount on Record |
| Prior Sale | May 22, 2000 · Amount on Record |
| Deed Document Number | 200772786 |
| Deed Book / Page | 6596 / 651 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 404 PEARL ST, FREDERICK, MD 21701-6407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | CAPITOL SETTLEMENTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0139710028 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 13971/28 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 404 PEARL ST, FREDERICK, MD 21701-6407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0148270166 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 14827/166 |
| Name | NYMEO FCU |
|---|---|
| Type | Credit Union |
| Address | FREDERICK, MD 21703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $350,333 (+32.2%) | $373,000 (+10.03%) Land $163,700 Building $209,300 | |
| 2025 | $4,950.00 (+12.4%) | ||
| 2023 | $4,404.00 Homeowner's exemption | $265,000 | $339,000 Land $135,900 Building $203,100 |
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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