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520 Elm St, Frederick, MD 21701 Property Records

Frederick County property record for 520 Elm St, Frederick, MD 21701 · Last verified June 2026

Property Summary

Property TypeTownhouse
Details2.5 ba · 1,720 sqft · built 1915
Lot Size0.039 acres (1,680 sqft)
OwnerIndividual Name on File
Last Sale$572,500 (Jun 2026)
Tax Bill$6,269 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jun 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-098326

Property Details

APN / Parcel Number

Primary APN02-098326
Alternative APNs
  • 2098326
  • 098326

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,720 sqft Living Area
1st Floor Area692 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Architectural StyleTownhouse
Exterior MaterialBrick
Roof MaterialSlate
Lot Area1,680 sqft (0.039 acres)
Lot Dimensions80 ft deep x 21 ft wide
PorchOpen Porch
Porch Area188 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerMunicipal

Location & Zoning

Account Number098326
Street Address520 ELM ST
CityFREDERICK
StateMD
Zip21701-4927
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLT 21 X 80 520 ELM ST. FREDERICK
Legal SubdivisionFREDERICK CITY MFG & DEVELOPME
Legal Block5
Legal Lot Number16,17
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group1
Census Block1017
Census Tract750100

Owner

Source: Frederick County records · APN 02-098326

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

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

Owner of RecordIndividual Name on File
Mailing Address520 ELM ST, FREDERICK, MD 21701-4927
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
SANDY SPRING BANK
Jun 11, 2026Deed, Transfer · VA Mortgage
FIRST HERITAGE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 11, 2026 · Amount on Record
Deed SaleJun 11, 2026 · Amount on Record
Prior SaleSep 24, 1998 · Amount on Record
Deed Document Number2026
Deed Book / Page17909 / 309
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address520 ELM ST, FREDERICK, MD 21701-4927
Transaction TypeMortgage
Record UpdatedJun 29, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 ELM ST, FREDERICK, MD 21701-4927

Mortgage

Document Number0153140114
DateSep 23, 2021
Book Page15314/114
Lender
NameSANDY SPRING BANK
TypeBank
AddressOLNEY, MD 20832
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

June 2026: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJun 11, 2026
Property Address520 ELM ST, FREDERICK, MD 21701-4927
Document Number1790000309
Book / Page17909 / 309
Instrument DateMay 29, 2026
Transaction TypeTransfer
Record UpdatedJun 22, 2026
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$578,225.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address520 ELM ST, FREDERICK, MD 21701-4927

Mortgage

Document Number1790000315,
DateJun 11, 2026
Book Page17909/315
Lender
NameFIRST HERITAGE MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.3%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,269.00 (+4.68%) Homeowner's exemption$367,300 (+16.1%) Land $125,700 Building $241,600$367,300 (-) Land $125,700 Building $241,600
2024$5,989.00 (+7.12%)
2023$5,591.00 Homeowner's exemption$316,367$367,300 Land $125,700 Building $241,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217501001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims3 (2015–2018)
Claims Outside the SFHA3 of 3
Most Recent ClaimMay 2018, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Hood College Historic District
listed 2002 · 31 contributing resources · NRIS 02001581
Individually ListedOld 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 315 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Shenandoah Telecommunications CompanyFiber8,000 / 8,000
XfinityCable2,000 / 250
VerizonFiber980 / 880
AT&TFixed Wireless100 / 20

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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