517 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 517 E Church St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,008 sqft · built 1900
Lot Size	0.19 acres (8,283 sqft)
Owner	Individual Name on Record
Last Sale	$327,000 (Jun 2021)
Tax Bill	$6,125 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-069873`

Property Details

APN / Parcel Number

Primary APN	`02-069873`
Alternative APNs	`2069873` `069873`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	504 sqft
Attic	Attic
Attic Area	240 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	8,283 sqft (0.19 acres)
Deck Area	274 sqft
Shed	1 Shed
Shed Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	069873
Street Address	517 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5765
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	M1
Legal Description	LT 8,283 SQ. FT. 517 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	5, EMMITSBURG
Census Block Group	1
Census Block	1008
Census Tract	766800

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	517 E CHURCH ST, FREDERICK, MD 21701-5765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Aug 24, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Jul 13, 2015 · Amount on Record
Deed Book / Page	14954 / 461
Prior Transfer Date	May 27, 2021
Prior Transfer Doc	0152230312
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 4, 2021
Property Address	517 E CHURCH ST, FREDERICK, MD 21701-5765
Document Number	0149540461
Book / Page	14954 / 461
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	517 E CHURCH ST, FREDERICK, MD 21701-5765

Mortgage

Document Number	14954468
Date	Jun 4, 2021
Instrument	14954/468

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Aug 24, 2021
Property Address	517 E CHURCH ST, FREDERICK, MD 21701-5765
Document Number	0152230312
Book / Page	15223 / 312
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E CHURCH ST, FREDERICK, MD 21701-5765

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Emmitsburg Town
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$395,533 (+2.58%)	$415,400 (+7.73%) Land $191,400 Building $224,000
2025	$6,125.00 (+4.84%) Homeowner's exemption	$385,600 (+21.54%) Land $151,400 Building $234,200	$385,600 (-) Land $151,400 Building $234,200
2024	$5,842.00 (+7.25%)
2023	$5,447.00 Homeowner's exemption	$317,267	$385,600 Land $151,400 Building $234,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF EMMITSBURG serves 2,921 people · EPA ID MD0100010
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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