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5821 Mercantile Dr W, Frederick, MD 21703 Property Records

Frederick County property record for 5821 Mercantile Dr W, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details4 ba · 1,316 sqft · built 2003
Lot Size0.054 acres (2,340 sqft)
OwnerIndividual Name on Record
Last Sale$295,000 (Nov 2020)
Tax Bill$4,077 (2025)
Deeds & MortgagesJul 2021 Mortgage
Nov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-457229

Property Details

APN / Parcel Number

Primary APN23-457229
Alternative APN
  • 457229

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area1,716 sqft Living Area
1st Floor Area696 sqft
Basement Area400 sqft
Finished Basement400 sqft

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,340 sqft (0.054 acres)
Deck Area120 sqft
Patio Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number457229
Street Address5821 MERCANTILE DR W
CityFREDERICK
StateMD
Zip21703-1837
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 269 SECTION 5 2,340 SQ. FT. HANNOVER
Legal SubdivisionHANNOVER
Legal Lot Number269
JurisdictionFREDERICK MD
Township / Civil Division23, BALLENGER
Census Block Group2
Census Block2003
Census Tract751004

Owner

Source: Frederick County records, as of August 7, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address5821 MERCANTILE DR W, FREDERICK, MD 21703-1837
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
Jul 19, 2021Deed of Trust, Mortgage · FHA Mortgage
CALIBER HOME LOANS INC
Nov 25, 2020Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 25, 2020 · Amount on Record
Deed SaleNov 25, 2020 · Amount on Record
Prior SaleMay 18, 2009 · Amount on Record
Deed Book / Page14302 / 267
Prior Transfer DateMay 19, 2015
Prior Transfer Doc0106330236
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address5821 MERCANTILE DR W, FREDERICK, MD 21703-1837
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyPROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0151010367
DateJul 19, 2021
Book Page15101/367
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressHOUSTON, TX 77042
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

November 2020: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateNov 25, 2020
Property Address5821 MERCANTILE DR W, FREDERICK, MD 21703-1837
Document Number0143020267
Book / Page14302 / 267
Map ReferenceMB 62 PL 126
Instrument DateOct 29, 2020
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyEXCALIBUR T&E LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$737.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address5821 MERCANTILE DR W, FREDERICK, MD 21703-1837

Mortgage

Document Number14302272
DateNov 25, 2020
Instrument14302/272
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$361,800 (+41.49%) Land $109,000 Building $252,800$361,800 (+41.49%) Land $109,000 Building $252,800
2025$4,077.00 (+32.2%)
2023$3,084.00$255,700 Land $82,000 Building $173,700$255,700 Land $82,000 Building $173,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 285 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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