524 Pearl St, Frederick, MD 21701 Property Records

Frederick County property record for 524 Pearl St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,088 sqft · built 1949
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Oct 2020)
Tax Bill	$3,980 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-030128`

Property Details

APN / Parcel Number

Primary APN	`02-030128`
Alternative APNs	`2030128` `030128`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,088 sqft Total Area
1st Floor Area	725 sqft
Basement Area	612 sqft
Finished Basement	612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	60 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	030128
Old Parcel Number	2030128
Street Address	524 PEARL ST
City	FREDERICK
State	MD
Zip	21701-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 50 X 150 524 PEARL ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	524
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1012
Census Tract	765100

Owner

Source: Frederick County records, as of September 25, 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 Record
Mailing Address	524 PEARL ST, FREDERICK, MD 21701-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2020 · Amount on Record
Deed Sale	Oct 7, 2020 · Amount on Record
Prior Sale	Jan 27, 2014 · Amount on Record
Deed Document Number	0014152462
Deed Book / Page	14152 / 462
Record Updated	Jun 7, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 7, 2020
Property Address	524 PEARL ST, FREDERICK, MD 21701-6409
Document Number	0141520468
Book / Page	014152 / 000468
Instrument Date	Jul 20, 2020
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 PEARL ST FREDERICK MD 217016409, FREDERICK, MD 21701-6409

Mortgage

Document Number	141520469
Date	Oct 7, 2020
Book Page	014152/000469

Lender

Name	SEVERN SVGS BK FSB
Type	Federal Savings Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Mortgage

Document Number	141520488,
Date	Oct 7, 2020
Book Page	014152/000488

Lender

Name	SEVERN SVGS BK FSB
Type	Federal Savings Bank
Address	ANNAPOLIS, MD 21401

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,980.00 Homeowner's exemption	$242,300	$315,500 Land $135,000 Building $180,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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