514 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 514 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 875 sqft · built 1953
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Jun 2019)
Tax Bill	$4,737 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-115743`

Property Details

APN / Parcel Number

Primary APN	`02-115743`
Alternative APNs	`2115743` `115743`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	875 sqft Living Area
Gross Area	1,065 sqft
1st Floor Area	875 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Patio Area	190 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	115743
Street Address	514 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT #11 & PT. OF 12 60 X 132 514 PEARL ST.
Legal Subdivision	SOUTH CATOCTIN PARK
Legal Block	D
Legal Lot Number	11
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 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	19813 LEITERSBURG PIKE, HAGERSTOWN, MD 21742-1445
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 21, 2019	Deed, Transfer · ARM TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Deed Book / Page	13043 / 2
Prior Transfer Date	Aug 1, 2013
Prior Transfer Doc	0097160021
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	514 PEARL ST, FREDERICK, MD 21701-6409
Transaction Type	Mortgage
Record Updated	May 28, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148490395
Date	May 6, 2021
Book Page	14849/395

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	173 Months
Due	Oct 1, 2035

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 21, 2019
Property Address	514 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0130430002
Book / Page	13043 / 0002
Map Reference	MB 3 FO 16
Instrument Date	Jun 17, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$899.50
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	585 OVER RIDGE DR, FREDERICK, MD 21703-6037

Mortgage

Document Number	130430007
Date	Jun 21, 2019
Instrument	13043/0007

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Margin	4
Max Rate	12.8%

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		$267,600 (+5.06%)	$293,400 (+15.19%) Land $164,600 Building $128,800
2025	$4,737.00 (+11.93%)	$254,700 (+28.96%) Land $136,600 Building $118,100	$254,700 (-) Land $136,600 Building $118,100
2024	$4,232.00 (+16.33%)
2023	$3,638.00	$197,500	$254,700 Land $136,600 Building $118,100

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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