Frederick County property record for 514 Elm St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,736 sqft · built 1915 |
| Lot Size | 0.042 acres (1,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $579,000 (Dec 2023) |
| Tax Bill | $5,792 (2023) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Mar 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-027909 |
| Primary APN | 02-027909 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,736 sqft Total Area |
| 1st Floor Area | 698 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Slate |
| Lot Area | 1,840 sqft (0.042 acres) |
| Lot Dimensions | 80 ft deep x 23 ft wide |
| Porch | Open Porch |
| Porch Area | 323 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 027909 |
|---|---|
| Old Parcel Number | 2027909 |
| Street Address | 514 ELM ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4927 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DBO |
| Legal Description | LT 23 X 80 514 ELM ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 514 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 750100 |
Source: Frederick County records · APN 02-027909
Assessment roll updated July 1, 2023 · Last verified January 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 514 ELM ST, FREDERICK, MD 21701-4927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2023 | Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP |
| Mar 08, 2023 | Deed, Transfer BLUE RIDGE TITLE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Mar 08, 2023 · Amount on Record |
| Deed Document Number | 0016715200 |
| Deed Book / Page | 16715 / 200 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 28, 2023 |
| Property Address | 514 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0167150200 |
| Book / Page | 16715 / 200 |
| Instrument Date | Dec 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,447.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 514 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0016715207 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 16715/207 |
| Name | FIRST SAVINGS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 08, 2023 |
| Property Address | 514 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0163560104 |
| Book / Page | 16356 / 104 |
| Instrument Date | Feb 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | BLUE RIDGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 21511 FOX FIELD CIR, GERMANTOWN, MD 20876-5944 |
Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified January 2024
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $5,792.00 | $317,333 | $368,400 Land $126,200 Building $242,200 |
Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 4 in force |
| Nearby Flood Claims | 3 (2015–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2018 · Severe Storms And Flooding |
| 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 |
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 315 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FREDERICK serves 54,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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