Frederick County property record for 518 Elm St, Frederick, MD 21701 · Last verified July 2026
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bathrooms | 2.5 Baths |
| Architecture Style | Townhouse |
| Year Built | Built 1915 |
| Square Footage | 1,720 sqft Living Area |
| Lot Size | 1,840 sqft (0.042 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $625,000 (2026) |
| Tax Bill | $8,055.00 (2025) |
Source: Frederick County records · APN 02-035189
Assessment roll updated August 4, 2025 · Last verified July 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 | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenants In Common |
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Feb 06, 2026 | Deed, Transfer · Conventional Mortgage LOANSTEADY LLC |
| May 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) NFM LNDG |
| Sep 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) NFM LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2026 · Amount on Record |
| Deed Sale | Feb 06, 2026 · Amount on Record |
| Prior Sale | Apr 01, 2002 · Amount on Record |
| Deed Book / Page | 17713 / 336 |
| Transfer Doc | 0027280668 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0149970132 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 14997/132 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 06, 2026 |
| Property Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0177130336 |
| Book / Page | 17713 / 336 |
| Instrument Date | Feb 02, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | PSH TITLE LLC, PSR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,562.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0017713344 |
|---|---|
| Date | Feb 06, 2026 |
| Instrument | 17713/344 |
| Name | LOANSTEADY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0129970001 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 518 ELM ST FREDERICK MD 217014927, FREDERICK, MD 21701-4927 |
| Document Number | 0129970001 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 012997/000001 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 518 ELM ST, FREDERICK, MD 21701-4927 |
| Document Number | 0126480001 |
| Instrument Date | Sep 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2018 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 518 ELM ST FREDERICK MD 217014927, FREDERICK, MD 21701-4927 |
| Document Number | 0126480001 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 012648/000001 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2048 |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026
| 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 |
|---|---|---|---|
| 2025 | $8,055.00 (+6.96%) | $436,500 (+16.16%) Land $126,200 Building $310,300 | $436,500 (-) Land $126,200 Building $310,300 |
| 2024 | $7,531.00 (+10.05%) | ||
| 2023 | $6,843.00 | $375,767 | $436,500 Land $126,200 Building $310,300 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · 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.
| Primary APN | 02-035189 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 1,780 sqft Gross Area |
| 1st Floor | 692 sqft 1st Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Townhouse Style |
| Exterior Material | Brick Exterior |
| Roof Material | Slate Roof |
| Lot Area | 1,840 sqft (0.042 acres) |
| Depth X Width | 0.8 ft x 0.2 ft Depth x Width |
| Patio Area | 100 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 248 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Account Number | 035189 |
|---|---|
| Street Address | 518 ELM ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4927 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT 23 X 80 518 ELM ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 518 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 2, FREDERICK |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 750100 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures