521 Elm St, Frederick, MD 21701 Property Records

Frederick County property record for 521 Elm St, Frederick, MD 21701 · Last verified September 2023

Property Summary

Property Type	Townhouse
Details	5 ba · 2,518 sqft · built 1915
Lot Size	0.093 acres (4,092 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Aug 2023)
Tax Bill	$9,773 (2023)
Deeds & Mortgages	Aug 2023 Sale Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-067854`

Property Details

APN / Parcel Number

Primary APN	`02-067854`
Alternative APNs	`2067854` `067854`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,518 sqft Total Area
1st Floor Area	1,044 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Slate
Lot Area	4,092 sqft (0.093 acres)
Lot Dimensions	132 ft deep x 31 ft wide
Porch	Enclosed Porch
Porch Area	472 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	067854
Old Parcel Number	2067854
Street Address	521 ELM ST
City	FREDERICK
State	MD
Zip	21701-4926
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PART OF LOTS #10, 11 31 X 132 521 ELM ST.
Legal Subdivision	FREDERICK CITY MFG & DEVELOPME
Legal Lot Number	10,11
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1017
Census Tract	750600

Owner

Source: Frederick County records · APN 02-067854

Assessment roll updated July 1, 2023 · Last verified September 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	9102 FLOWER AVE, SILVER SPRING, MD 20901-4924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed, Transfer CLOSELINE SETTLEMENTS LLC, CLOSELINE SETTLEMENTS
Mar 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	0016584423
Deed Book / Page	16584 / 423
Record Updated	Jun 07, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 31, 2023
Property Address	521 ELM ST, FREDERICK, MD 21701-4926
Document Number	0165840423
Book / Page	16584 / 423
Map Reference	LB WIP 13 FO 335
Instrument Date	Aug 31, 2023
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	CLOSELINE SETTLEMENTS LLC, CLOSELINE SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$3,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12121 FRANKSTOWN RD # 1162, 1162, PITTSBURGH, PA 15235-3403

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9102 FLOWER AVE, SILVER SPRING, MD 20901-4924

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	521 ELM ST, FREDERICK, MD 21701-4926
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135650001
Date	Mar 04, 2020
Book Page	13565/1

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 28, 2017
Property Address	521 ELM ST, FREDERICK, MD 21701-4926
Document Number	0116880280
Book / Page	11688 / 0280
Map Reference	LB WIP13 FO335
Instrument Date	Jan 31, 2017
Instrument	11688-0280
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 ELM ST, 521, FREDERICK, MD 21701-4926

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 PENNSYLVANIA AVE, FREDERICK, MD 21701-5744

Mortgage

Document Number	116880285
Date	Feb 28, 2017
Instrument	11688-0285

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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

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
2023	$9,773.00 Homeowner's exemption	$556,733	$646,200 Land $136,700 Building $509,500

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 240217506001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, May 2018 · 2 claims

Wildfire

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; 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 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.

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

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880
AT&T	Fixed Wireless	100 / 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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