515 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 515 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,456 sqft · built 2006
Lot Size	0.114 acres (4,979 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Apr 2018)
Tax Bill	$5,639 (2024)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-018721`

Property Details

APN / Parcel Number

Primary APN	`02-018721`
Alternative APNs	`2018721` `018721`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,979 sqft (0.114 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Porch	Open Porch
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	018721
Street Address	515 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	PART OF LOT 15 & 16 BLK E- 4,979 SQ. FT. 515 PEARL ST.-FRED. CITY
Legal Subdivision	SOUTH CATOCTIN PARK
Legal Block	E
Legal Lot Number	15,16
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3003
Census Tract	765100

Owner

Source: Frederick County records · APN 02-018721

Assessment roll updated August 4, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	515 PEARL ST, FREDERICK, MD 21701-6414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2018 · Amount on Record
Deed Sale	Apr 13, 2018 · Amount on Record
Prior Sale	Jul 07, 2010 · Amount on Record
Deed Book / Page	12362 / 407
Prior Transfer Date	Mar 04, 2008
Prior Transfer Doc	0069110551
Record Updated	Jun 08, 2026

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 13, 2018
Property Address	515 PEARL ST, FREDERICK, MD 21701-6414
Document Number	0123620407
Book / Page	12362 / 0407
Map Reference	MB3 PL16
Instrument Date	Apr 05, 2018
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 W 3RD ST, 18, FREDERICK, MD 21701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 PEARL ST, FREDERICK, MD 21701-6414

Mortgage

Document Number	0012362415
Date	Apr 13, 2018
Instrument	12362/415

Lender

Name	TRUSTWORTHY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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

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
2025		$326,900 (+17.21%) Land $124,400 Building $202,500	$326,900 (-) Land $124,400 Building $202,500
2024	$5,639.00 (+10.55%)
2023	$5,101.00	$278,900	$326,900 Land $124,400 Building $202,500

Flood & Wildfire

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

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Internet Providers

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 · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 587 locations within half a mile of this property.

Drinking Water

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

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 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.