512 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 512 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 875 sqft · built 1955
Lot Size	0.181 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2022)
Tax Bill	$3,690 (2023)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-085003`

Property Details

APN / Parcel Number

Primary APN	`02-085003`
Alternative APNs	`2085003` `085003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	875 sqft Total Area
1st Floor Area	875 sqft

Exterior

Year Built	Built 1955
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,920 sqft (0.181 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	085003
Old Parcel Number	2085003
Street Address	512 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	PT LTS 12-13 60X132 FREDERICK 512 PEARL ST.
Legal Subdivision	FREDERICK
Legal Lot Number	12,13 13
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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	512 PEARL ST, FREDERICK, MD 21701-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed, Transfer · Conventional Mortgage ACC MORTGAGE INC
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Apr 19, 2017	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	0016250206
Deed Book / Page	16250 / 206
Record Updated	Jun 7, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 5, 2022
Property Address	512 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0162500206
Book / Page	16250 / 206
Map Reference	MB 3 FO 16
Instrument Date	Nov 10, 2022
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	AMERICAS TITLE GROUP, THE AMERICAS TITLE GROUP

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 by the Entirety
Address	512 PEARL ST, FREDERICK, MD 21701-6409

Mortgage

Document Number	0016250212
Date	Dec 5, 2022
Instrument	16250/212

Lender

Name	ACC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	512 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0142280028
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 PEARL ST FREDERICK MD 217016409, FREDERICK, MD 21701-6409

Mortgage

Document Number	0142280028
Date	Nov 4, 2020
Book Page	014228/000028

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 3, 2035

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 19, 2017
Property Address	512 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0117750131
Book / Page	011775 / 000131
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	512 PEARL ST FREDERICK MD 217016409, FREDERICK, MD 21701-6409

Mortgage

Document Number	117750139
Date	Apr 19, 2017
Book Page	011775/000139

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIE TOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,690.00	$200,400	$258,200 Land $136,600 Building $121,600

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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