Frederick County property record for 520 N Bentz St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 4.5 ba · 2,160 sqft · built 2018 |
| Lot Size | 0.04 acres (1,744 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $519,000 (Jul 2021) |
| Tax Bill | $8,581 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-462184 |
| Primary APN | 02-462184 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Attic | Attic |
| Attic Area | 650 sqft |
| Basement Area | 720 sqft |
| Finished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Townhouse |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 1,744 sqft (0.04 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 40 sqft |
| Patio Area | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 462184 |
|---|---|
| Street Address | 520 N BENTZ ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4920 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DR |
| Legal Description | LOT 14 PL 1 SECT 1 1,744 SQ FT NORTH MARKET REVITALIZATION |
| Legal Subdivision | NORTH MARKET REVITALIZATION |
| Legal Lot Number | 14 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 750100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713 |
|---|---|
| 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.
520 N Bentz St, a townhouse, is owned and occupied by two individuals who bought it in July 2021.
Source: Frederick County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 N BENTZ ST, FREDERICK, MD 21701-4920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 11, 2017 | Grant Deed, Transfer · Conventional with PMI RESIDENTIAL MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2021 · Amount on File |
| Deed Sale | Jul 7, 2021 · Amount on File |
| Prior Sale | Jul 11, 2017 · Amount on File |
| Deed Book / Page | 15073 / 54 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 7, 2021 |
| Property Address | 520 N BENTZ ST, FREDERICK, MD 21701-4920 |
| Document Number | 0150730054 |
| Book / Page | 15073 / 54 |
| Map Reference | MB 86 PG 96 |
| Instrument Date | Jun 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,297.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 520 N BENTZ ST, FREDERICK, MD 21701-4920 |
| Document Number | 0001507360 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 15073/60 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 11, 2017 |
| Property Address | 520 N BENTZ ST, FREDERICK, MD 21701-4920 |
| Document Number | 0119170371 |
| Book / Page | 011917 / 000371 |
| Instrument Date | May 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 N BENTZ ST FREDERICK MD 217014920, FREDERICK, MD 21701-4920 |
| Document Number | 119170378 |
|---|---|
| Date | Jul 11, 2017 |
| Book Page | 011917/000378 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 520 N Bentz St was $8,581.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $508,067 | $593,600 Land $136,400 Building $457,200 | |
| 2025 | $8,581.00 | ||
| 2023 | $7,426.00 | $408,233 | $465,300 Land $80,300 Building $385,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 N Bentz St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2015–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2018 · Severe Storms And Flooding |
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.
The area around 520 N Bentz 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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