551 Frederick St, Hagerstown, MD 21740 Property Records

Washington County property record for 551 Frederick St, Hagerstown, MD 21740

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,204 sqft · built 1923
Lot Size	0.063 acres (2,730 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Dec 2024)
Tax Bill	$1,041 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-015168`

Property Details

APN / Parcel Number

Primary APN	`17-015168`
Alternative APN	`015168`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,204 sqft Total Area
Attic	Attic
Attic Area	287 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,730 sqft (0.063 acres)
Lot Dimensions	130 ft deep x 21 ft wide
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	015168
Street Address	551 FREDERICK ST
City	HAGERSTOWN
State	MD
Zip	21740-6812
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RMED
Legal Description	PT LOT 12 21X130 551 FREDERICK ST
Legal Lot Number	12
Jurisdiction	WASHINGTON MD
Township / Civil Division	17, HAGERSTOWN
Census Block Group	3
Census Block	3000
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hagerstown Historic District listed 1994 · 1,997 contributing resources · NRIS 93001551

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Washington County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	551 FREDERICK ST, HAGERSTOWN, MD 21740-6812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK
Aug 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK
Feb 26, 2018	Deed, Transfer · Conventional Mortgage THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2024 · Amount on Record
Deed Sale	Dec 30, 2024 · Amount on Record
Prior Sale	Feb 26, 2018 · Amount on Record
Deed Book / Page	7599 / 244
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	5696000315
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	551 FREDERICK ST, HAGERSTOWN, MD 21740-6812
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054590437
Date	Mar 13, 2017
Book Page	5459/0437
Instrument	5459-0437

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	HAGERSTOWN, MD 21740

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	551 FREDERICK ST, HAGERSTOWN, MD 21740-6812
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055760118
Date	Aug 28, 2017
Book Page	5576/0118
Instrument	5576-0118

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	HAGERSTOWN, MD 21740

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Feb 26, 2018
Property Address	551 FREDERICK ST, HAGERSTOWN, MD 21740-6812
Document Number	0056960315
Book / Page	5696 / 0315
Map Reference	LB5298 FO423
Instrument Date	Feb 23, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	OLDE TOWNE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 FREDERICK ST, HAGERSTOWN, MD 21740-6812

Mortgage

Document Number	0005696322
Date	Feb 26, 2018
Instrument	5696/322

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Hagerstown City
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,041.00 (+5.58%) Homeowner's exemption	$133,467 (+23.35%)	$184,000 (+70.06%) Land $30,000 Building $154,000
2025	$986.00 (+43.31%) Homeowner's exemption	$108,200 (+27%) Land $30,000 Building $78,200	$108,200 (-) Land $30,000 Building $78,200
2023	$688.00 Homeowner's exemption	$85,200	$108,200 Land $30,000 Building $78,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 14, 2017

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 HAGERSTOWN serves 92,200 people · EPA ID MD0210010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Point Broadband Fiber	1,000 / 1,000

May also be available: Verizon, Xfinity.

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