502 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 502 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,085 sqft · built 1955
Lot Size	0.17 acres (7,392 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Oct 2022)
Tax Bill	$3,903 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-036959`

Property Details

APN / Parcel Number

Primary APN	`02-036959`
Alternative APNs	`2036959` `036959`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,085 sqft Living Area
1st Floor Area	1,085 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,392 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	036959
Street Address	502 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	L 1 B G 56X132 502 PEARL ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	G
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1012
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	502 PEARL ST, FREDERICK, MD 21701-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 21, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Mar 21, 2017 · Amount on Record
Deed Book / Page	16189 / 107
Prior Transfer Date	Jun 16, 2016
Prior Transfer Doc	0113160507
Record Updated	Jun 8, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 20, 2022
Property Address	502 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0161890107
Book / Page	16189 / 107
Map Reference	MB 3 PL 38
Instrument Date	Sep 26, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	FOUR SEASONS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	502 PEARL ST, FREDERICK, MD 21701-6409

Mortgage

Document Number	0016189116
Date	Oct 20, 2022
Instrument	16189/116

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 21, 2017
Property Address	502 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0117250387
Book / Page	11725 / 0387
Map Reference	MB3 FO38
Instrument Date	Mar 6, 2017
Instrument	11725-0387
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,392.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	502 PEARL ST, FREDERICK, MD 21701-6409

Mortgage

Document Number	117250393
Date	Mar 21, 2017
Instrument	11725-0393

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$234,800 (+29.3%) Land $134,500 Building $100,300	$234,800 (-) Land $134,500 Building $100,300
2024	$3,903.00 (+16.44%)
2023	$3,352.00	$181,600	$234,800 Land $134,500 Building $100,300

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 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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