505 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 505 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1959
Lot Size	0.141 acres (6,120 sqft)
Owner	Individual Name on Record
Last Sale	$317,000 (May 2024)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-068060`

Property Details

APN / Parcel Number

Primary APN	`02-068060`
Alternative APNs	`2068060` `068060`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	984 sqft
1st Floor Area	864 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,120 sqft (0.141 acres)
Lot Dimensions	90 ft deep x 68 ft wide
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	068060
Street Address	505 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 6 BL C 68X90 505 PEARL ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	C
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3019
Census Tract	765100

Owner

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	Individual Name on Record
Mailing Address	505 PEARL ST, FREDERICK, MD 21701-6408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2024	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Aug 11, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 10, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	Jun 9, 2011 · Amount on Record
Deed Book / Page	16859 / 57
Transfer Doc	0000002443
Record Updated	Oct 29, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 13, 2024
Property Address	505 PEARL ST, FREDERICK, MD 21701-6408
Document Number	0168590057
Book / Page	16859 / 57
Map Reference	MB 3 FO 112
Instrument Date	Apr 26, 2024
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,585.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 PEARL ST, FREDERICK, MD 21701-6408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	505 PEARL ST, FREDERICK, MD 21701-6408

Mortgage

Document Number	0001685963
Date	May 13, 2024
Instrument	16859/63

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	505 PEARL ST, FREDERICK, MD 21701-6408
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 PEARL ST, FREDERICK, MD 21701-6408

Mortgage

Document Number	0160790078
Date	Aug 11, 2022
Book Page	16079/78

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Aug 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	505 PEARL ST, FREDERICK, MD 21701-6408
Document Number	0125340043
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 PEARL ST FREDERICK MD 217016408, FREDERICK, MD 21701-6408

Mortgage

Document Number	0125340043
Date	Jul 25, 2018
Book Page	012534/000043

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$245,967 (+44.54%)	$297,700 (+35.26%) Land $155,600 Building $142,100
2025	$3,838.00 (+35.33%)
2023	$2,836.00 Homeowner's exemption	$170,167	$220,100 Land $129,400 Building $90,700

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 · 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	1 in force

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.

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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