Frederick County property record for 9 E Main St, Emmitsburg, MD 21727
| Property Type | Store with Apartments |
|---|---|
| Details | 8,976 sqft · built 1900 |
| Lot Size | 0.136 acres (5,940 sqft) |
| Owner | Company Name on Record |
| Last Sale | $425,000 (Feb 2025) |
| Tax Bill | $6,169 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-165148 |
| Primary APN | 05-165148 |
|---|---|
| Alternative APNs |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 8,976 sqft Gross Area |
| 1st Floor Area | 6,501 sqft |
| Basement Area | 2,475 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Concrete |
| Lot Area | 5,940 sqft (0.136 acres) |
| Lot Dimensions | 165 ft deep x 36 ft wide |
| View / Lot | Commercial/Industrial |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Sewer | Municipal |
| Account Number | 165148 |
|---|---|
| Street Address | 9 E MAIN ST |
| City | EMMITSBURG |
| State | MD |
| Zip | 21727-9209 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Store with Apartments |
| Local Zoning Code | VZ |
| Legal Description | LT 36 X 165 E. MAIN ST. EMMITSBURG |
| Legal Subdivision | EMMITSBURG |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 5, EMMITSBURG |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 766800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Emmitsburg Historic District (Additional Documentation) listed 1992 · 217 contributing resources · NRIS 92000076 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Record | Company Name on Record |
|---|---|
| Mailing Address | 9400 BELLE HOLLOW WAY, GAITHERSBURG, MD 20882-2800 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Line of Credit ACNB BANK |
| Dec 30, 2022 | Deed of Trust, Mortgage · Balloon Mortgage JLG4 LLC |
| Dec 22, 2022 | Deed, Transfer · Commercial Mortgage FCB BANKS |
| Jun 8, 2018 | Deed of Trust, Mortgage · Commercial Mortgage WOODSBORO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2025 · Amount on Record |
| Deed Sale | Feb 18, 2025 · Amount on Record |
| Prior Sale | Dec 22, 2022 · Amount on Record |
| Deed Book / Page | 17225 / 375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9 E MAIN ST, EMMITSBURG, MD 21727-9209 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 240 S POTOMAC ST, HAGERSTOWN, MD 21740-6005 |
| Document Number | 0165420479 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 16542/479 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9 E MAIN ST, EMMITSBURG, MD 21727-9209 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | COMMUNITY SETTLEMENTS & ESCROW LLC, COMMUNITY STLMTS & ESCROW LL |
| Name | Verified Name |
|---|
| Document Number | 0162780438 |
|---|---|
| Date | Dec 30, 2022 |
| Book Page | 16278/438 |
| Name | JLG4 LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MONROVIA, MD 21770 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 14 Months |
| Due | Jan 31, 2024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 22, 2022 |
| Property Address | 9 E MAIN ST, EMMITSBURG, MD 21727-9209 |
| Document Number | 0162710428 |
| Book / Page | 16271 / 428 |
| Instrument Date | Dec 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2023 |
| Title Company | COMMUNITY STLMTS & ESCROW LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 101 E BALTIMORE ST, HAGERSTOWN, MD 21740-6103 |
| Document Number | 0016271434 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 16271/434 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 0162710454 |
|---|---|
| Date | Dec 22, 2022 |
| Book Page | 16271/454 |
| Name | MICHAEL HARGADON ETAL |
|---|---|
| Type | Private Party |
| Address | 16932 ANNANDALE RD, EMMITSBURG, MD 21727 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9 E MAIN ST, EMMITSBURG, MD 21727-9209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0124560071 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 12456/0071 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | EMMITSBURG, MD 21727 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Emmitsburg Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $385,300 (-) Land $71,200 Building $314,100 | $385,300 (-) Land $71,200 Building $314,100 | |
| 2025 | $6,169.00 (+2.89%) | $385,300 (-0.34%) Land $71,200 Building $314,100 | $385,300 (-0.34%) Land $71,200 Building $314,100 |
| 2023 | $5,996.00 | $386,600 Land $59,700 Building $326,900 | $386,600 Land $59,700 Building $326,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · 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 Policies | 4 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2011 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF EMMITSBURG serves 2,921 people · EPA ID MD0100010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2017–2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
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 | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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