516 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 516 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,366 sqft · built 1947
Lot Size	0.294 acres (12,800 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Jun 2016)
Tax Bill	$6,009 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-108496`

Property Details

APN / Parcel Number

Primary APN	`02-108496`
Alternative APNs	`2108496` `108496`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	1,426 sqft
1st Floor Area	976 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,800 sqft (0.294 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	108496
Street Address	516 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 10A BLK D 0.294 AC 516 PEARL ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	D
Legal Lot Number	10A
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1012
Census Tract	765100

Owner

516 Pearl St is owned and occupied by an individual who bought it in June 2016.

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	516 PEARL ST, FREDERICK, MD 21701-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 1, 2022	Deed of Trust, Mortgage · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2016 · Amount on File
Deed Sale	Jun 3, 2016 · Amount on File
Deed Book / Page	11175 / 252
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 14, 2026
Property Address	516 PEARL ST, FREDERICK, MD 21701-6409
Document Number	1781000087
Book / Page	17816 / 87
Instrument Date	Apr 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 PEARL ST, FREDERICK, MD 21701-6409
Investor	Possibly a Property Investor

Mortgage

Document Number	1781000087,
Date	Apr 14, 2026
Book Page	17816/87

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	516 PEARL ST, FREDERICK, MD 21701-6409
Transaction Type	Mortgage
Record Updated	Apr 14, 2022
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 PEARL ST, FREDERICK, MD 21701-6409

Mortgage

Document Number	0158270053
Date	Apr 1, 2022
Book Page	15827/53

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 516 Pearl St was $6,009, up 12.3% from the year before.

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		$337,100 (+3.91%)	$362,500 (+11.74%) Land $189,000 Building $173,500
2025	$6,009.00 (+12.28%)	$324,400 Land $156,200 Building $168,200	$324,400 Land $156,200 Building $168,200
2024	$5,352.00 (+16.78%)
2023	$4,583.00	$250,067	$324,400 Land $156,200 Building $168,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 516 Pearl St in Zone X, an area of minimal flood risk.

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

The area around 516 Pearl St has no burnable land within ember reach, so its wildfire risk is not rated.

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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