Frederick County property record for 406 Elm St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,738 sqft · built 1915 |
| Lot Size | 0.076 acres (3,315 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Feb 2002) |
| Tax Bill | $6,521 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-059487 |
| Primary APN | 02-059487 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,738 sqft Living Area |
| 1st Floor Area | 869 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 3,315 sqft (0.076 acres) |
| Porch | Open Porch |
| Porch Area | 255 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 059487 |
|---|---|
| Street Address | 406 ELM ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | LOT 4050 SQ FT 406 ELM ST. FREDERICK |
| Legal Subdivision | CATHERINE P HANKEY PROP |
| Legal Lot Number | 406 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 750600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Hood College Historic District listed 2002 · 31 contributing resources · NRIS 02001581 |
|---|---|
| Individually Listed | Old 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.
Source: Frederick County assessment roll, 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 File |
|---|---|
| Mailing Address | 406 ELM ST, FREDERICK, MD 21701-4924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 25, 2002 · Amount on Record |
| Deed Sale | Feb 25, 2002 · Amount on Record |
| Deed Document Number | 20021397 |
| Deed Book / Page | 3082 / 293 |
| Record Updated | Sep 20, 2026 |
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 | $432,000 (+27.77%) | $474,200 (+15.41%) Land $210,800 Building $263,400 | |
| 2025 | $6,521.00 (+12.45%) | ||
| 2023 | $5,799.00 Homeowner's exemption | $338,100 | $410,900 Land $134,200 Building $276,700 |
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 · 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 | 3 in force |
| Nearby Flood Claims | 2 (2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2018 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
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