Washington County property record for 424 N Locust St, Hagerstown, MD 21740
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 8,637 sqft · built 1940 |
| Lot Size | 0.105 acres (4,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Aug 2020) |
| Tax Bill | $7,615 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-006878 |
| Primary APN | 22-006878 |
|---|---|
| Alternative APN |
|
| Units | 14 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 8,637 sqft Total Area |
| 1st Floor Area | 8,637 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 4,560 sqft (0.105 acres) |
| Lot Dimensions | 114 ft deep x 40 ft wide |
| Heating System | Hot Water |
|---|---|
| Sewer | Connected |
| Account Number | 006878 |
|---|---|
| Street Address | 424 N LOCUST ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-4061 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | RMED |
| Legal Description | LOT 40X114 .105 AC 424-426 N LOCUST ST HAGERSTOWN |
| Legal Subdivision | GEORGE F BURKHARTS LAND |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 22, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Potomac-Broadway Historic District listed 1990 · 191 contributing resources · NRIS 90001804 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
424 N Locust St, a residential property, is owned by two individuals who bought it in August 2020.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 HOGAN DR, MARTINSBURG, WV 25405-7279 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST TITLE & ESCROW |
| Dec 22, 2021 | Deed of Trust, Mortgage · Commercial Mortgage SUMMIT COMMUNITY BANK INC |
| Dec 16, 2021 | Deed of Trust, Mortgage · Commercial Mortgage SUMMIT COMMUNITY BANK INC |
| Aug 17, 2020 | Deed, Transfer · Line of Credit SUMMIT COMMUNITY BANK |
| Mar 15, 2018 | Deed of Trust, Mortgage UNITED BK/IL |
| Apr 12, 2017 | Grant Deed, Transfer GEORGE H SIMMONS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on File |
| Deed Sale | Aug 17, 2020 · Amount on File |
| Prior Sale | Apr 12, 2017 · Amount on File |
| Deed Book / Page | 6334 / 183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 6, 2026 |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Document Number | 7963000118 |
| Book / Page | 7963 / 118 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | FIRST TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 324 HOGAN DR, MARTINSBURG, WV 25405-7279 |
| Document Number | 7963000118, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 7963/118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 324 HOGAN DR, MARTINSBURG, WV 25405-7279 |
| Document Number | 0068760390 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 6876/390 |
| Name | SUMMIT COMMUNITY BANK INC |
|---|---|
| Type | Bank |
| Address | WINCHESTER, VA 22601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 324 HOGAN DR, MARTINSBURG, WV 25405-7279 |
| Document Number | 0068680295 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6868/295 |
| Name | SUMMIT COMMUNITY BANK INC |
|---|---|
| Type | Bank |
| Address | WINCHESTER, VA 22601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Aug 17, 2020 |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Document Number | 0063340183 |
| Book / Page | 6334 / 183 |
| Map Reference | DOC 1 FO 37 |
| Instrument Date | Aug 7, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | OLDE TOWNE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 324 HOGAN DR, MARTINSBURG, WV 25405-7279 |
| Document Number | 0063340188 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 6334/188 |
| Name | SUMMIT COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | WINCHESTER, VA 22601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Document Number | 0057100211 |
| Instrument Date | Mar 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 248 S POTOMAC ST HAGERSTOWN MD 217406083, HAGERSTOWN, MD 21740-6083 |
| Document Number | 0057100211 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 005710/000211 |
| Name | UNITED BK/IL |
|---|---|
| Type | Bank |
| Address | HAGERSTOWN, MD 21742 |
| Amount | Amount on Record |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Apr 12, 2017 |
| Property Address | 424 N LOCUST ST, HAGERSTOWN, MD 21740-4061 |
| Document Number | 0054800044 |
| Book / Page | 005480 / 000044 |
| Instrument Date | Mar 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 248 S POTOMAC ST HAGERSTOWN MD 217406083, HAGERSTOWN, MD 21740-6083 |
| Document Number | 54800048 |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 005480/000048 |
| Name | GEORGE H SIMMONS |
|---|---|
| Address | 168 W MAIN ST, NEW MARKET, MD 21774-7538 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 424 N Locust St was $7,615, up 16.3% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,615.00 (+16.31%) | $835,900 (+16.31%) | $1,070,300 (+48.92%) Land $40,000 Building $1,030,300 |
| 2025 | $6,547.00 | $718,700 Land $40,000 Building $678,700 | $718,700 Land $40,000 Building $678,700 |
| 2023 | $4,871.00 | $532,433 | $718,700 Land $40,000 Building $678,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 N Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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 |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | Feb 1984 · tidal / storm surge |
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.
The area around 424 N Locust St has no burnable land within ember reach, so its wildfire risk is not rated.
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 HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) 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 706 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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