6540 Mercantile Dr W, Frederick, MD 21703 Property Records

Frederick County property record for 6540 Mercantile Dr W, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,631 sqft · built 2003
Lot Size	0.054 acres (2,340 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Apr 2022)
Tax Bill	$4,039 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-457342`

Property Details

APN / Parcel Number

Primary APN	`23-457342`
Alternative APN	`457342`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,631 sqft Living Area
1st Floor Area	711 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,340 sqft (0.054 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	457342
Street Address	6540 MERCANTILE DR W
City	FREDERICK
State	MD
Zip	21703-1836
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 279 SECTION 5 2,340 SQ. FT. HANNOVER
Legal Subdivision	HANNOVER
Legal Lot Number	279
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	2
Census Block	2003
Census Tract	751004

Owner

6540 Mercantile Dr W, a townhouse, is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	6540 MERCANTILE DR W, FREDERICK, MD 21703-1836
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on File
Deed Sale	Apr 19, 2022 · Amount on File
Prior Sale	Aug 7, 2003 · Amount on File
Deed Book / Page	15864 / 357
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 19, 2022
Property Address	6540 MERCANTILE DR W, FREDERICK, MD 21703-1836
Document Number	0158640357
Book / Page	15864 / 357
Map Reference	MB 62 PL 126
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NORTH FRONTIER TITLE & ESCROW LLC, NORTH FRONTIER T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6540 MERCANTILE DR W, FREDERICK, MD 21703-1836

Mortgage

Document Number	0015864364
Date	Apr 19, 2022
Instrument	15864/364

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 6540 Mercantile Dr W was $4,039.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$358,300 (+10.81%) Land $109,000 Building $249,300	$358,300 (-) Land $109,000 Building $249,300
2025	$4,039.00	$323,333	$358,300 Land $109,000 Building $249,300
2023	$3,057.00	$253,400 Land $82,000 Building $171,400	$253,400 Land $82,000 Building $171,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6540 Mercantile Dr W in Zone X, an area of minimal flood risk.

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

The area around 6540 Mercantile Dr W has no burnable land within ember reach, so its wildfire risk is not rated.

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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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