645 E 1st St, Hagerstown, MD 21740 Property Records

Washington County property record for 645 E 1st St, Hagerstown, MD 21740

Property Summary

Property Type	Office Building
Details	4,050 sqft · built 1985
Lot Size	0.43 acres (18,730 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (Oct 2026)
Tax Bill	$2,542 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-007459`

Property Details

APN / Parcel Number

Primary APN	`17-007459`
Alternative APN	`007459`

Interior

Stories	2 Stories
Building Area	4,050 sqft Total Area
1st Floor Area	4,050 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	18,730 sqft (0.43 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	007459
Street Address	645 E 1ST ST
City	HAGERSTOWN
State	MD
Zip	21740-6403
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	POM
Legal Description	LOT .43 ACRE W/S KENLEY AVENUE INT WITH E FIRST ST
Legal Subdivision	KENWOOD
Jurisdiction	WASHINGTON MD
Township / Civil Division	17, HAGERSTOWN
Census Block Group	2
Census Block	2027
Census Tract	602

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	301 FORTRESS CT, UPPER MARLBORO, MD 20774-8849
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed, Transfer · Conventional Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Jun 21, 2021	Deed, Transfer NOT AVAILABLE, SHERIDIAN TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Book / Page	8029 / 222
Transfer Doc	0000008648
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 5, 2026
Property Address	645 E 1ST ST, HAGERSTOWN, MD 21740-6403
Document Number	8029000222
Book / Page	8029 / 222
Instrument Date	Sep 30, 2026
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	301 FORTRESS CT, UPPER MARLBORO, MD 20774-8849

Mortgage

Document Number	8029000227,
Date	Oct 5, 2026
Book Page	8029/227

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 21, 2021
Property Address	645 E 1ST ST, HAGERSTOWN, MD 21740-6403
Document Number	0066680087
Book / Page	6668 / 87
Instrument Date	Jun 18, 2021
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	NOT AVAILABLE, SHERIDIAN TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12197 KINGSFORD CT, BOWIE, MD 20721

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	$2,542.00 (-0.47%)	$279,000 (-0.5%) Land $95,500 Building $183,500	$279,000 (-0.5%) Land $95,500 Building $183,500
2025	$2,554.00 (-0.31%)	$280,400 (+0.12%) Land $95,500 Building $184,900	$280,400 (-) Land $95,500 Building $184,900
2023	$2,562.00	$280,067	$280,400 Land $95,500 Building $184,900

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 August 14, 2017 · 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
Nearby Flood Claims	2 (1983–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 1996 · river or lake 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.

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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