998 Potomac Ave, Hagerstown, MD 21742 Property Records

Washington County property record for 998 Potomac Ave, Hagerstown, MD 21742

Property Summary

Property Type	Store with Apartments
Details	2.5 ba · 3,895 sqft · built 1960
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Jul 2021)
Tax Bill	$3,485 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-020478`

Property Details

APN / Parcel Number

Primary APN	`21-020478`
Alternative APN	`020478`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,895 sqft Total Area
1st Floor Area	3,280 sqft
Basement Area	1,000 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Siding
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	020478
Street Address	998 POTOMAC AVE
City	HAGERSTOWN
State	MD
Zip	21742-3926
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	RMOD
Legal Description	LOT 1 50X200 0.23 A 998 POTOMAC AVE
Legal Subdivision	EAST PARK ADDITION
Legal Lot Number	1
Jurisdiction	WASHINGTON MD
Township / Civil Division	21, HAGERSTOWN
Census Block Group	1
Census Block	1039
Census Tract	100

Owner

998 Potomac Ave, a commercial property, is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	998 S POTOMAC ST, HAGERSTOWN, MD 21740-6445
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

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2021	Deed, Transfer · FHA Mortgage NFM INC
Sep 11, 2020	Grant Deed, Transfer PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER SETTLEMENT & TITLE SVC
Dec 29, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BILTRITE HOME CORP
Dec 29, 2017	Grant Deed, Transfer BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Sep 11, 2020 · Amount on File
Deed Book / Page	6687 / 495
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	998 POTOMAC AVE, HAGERSTOWN, MD 21742-3926
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069770077
Date	Apr 7, 2022
Book Page	6977/77

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jul 7, 2021
Property Address	998 POTOMAC AVE, HAGERSTOWN, MD 21742-3926
Document Number	0066870495
Book / Page	6687 / 495
Map Reference	FO 45
Instrument Date	Jun 25, 2021
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TITE SVCS L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	998 S POTOMAC ST, HAGERSTOWN, MD 21740-6445

Mortgage

Document Number	0006687501
Date	Jul 7, 2021
Instrument	6687/501

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 11, 2020
Property Address	998 POTOMAC AVE, HAGERSTOWN, MD 21742-3926
Document Number	0063580496
Book / Page	006358 / 000496
Instrument Date	Sep 8, 2020
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER SETTLEMENT & TITLE SVC

Transaction

Amount	Amount on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	998 S POTOMAC ST HAGERSTOWN MD 21740, HAGERSTOWN, MD 21740

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WASHINGTON MD
Recording Date	Dec 29, 2017
Property Address	998 POTOMAC AVE, HAGERSTOWN, MD 21742-3926
Document Number	0056640410
Book / Page	005664 / 000410
Instrument Date	Dec 4, 2017
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 S POTOMAC ST HAGERSTOWN MD 21740, HAGERSTOWN, MD 21740

Mortgage

Document Number	56640410
Date	Dec 29, 2017
Book Page	005664/000410

Lender

Name	BILTRITE HOME CORP
Address	603 OAK HILL AVE, HAGERSTOWN, MD 21740-3832

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 28, 2018

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Dec 29, 2017
Property Address	998 POTOMAC AVE, HAGERSTOWN, MD 21742-3926
Document Number	0056640405
Book / Page	005664 / 000405
Instrument Date	Dec 4, 2017
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Transaction

Amount	Amount on Record
Tax	$79.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11911 BOYD RD CLEAR SPRING MD 217221604, CLEAR SPRING, MD 21722-1604

Tax Assessment & Valuation

The 2026 property tax bill for 998 Potomac Ave was $3,485 with a homeowner's exemption, up 26.8% from the year before.

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	$3,485.00 (+26.82%) Homeowner's exemption	$382,533 (+4.18%)	$413,200 (+12.53%) Land $37,500 Building $375,700
2025	$2,748.00 Homeowner's exemption	$367,200 Land $37,500 Building $329,700	$367,200 Land $37,500 Building $329,700
2023	$2,473.00 (+21.82%)	$270,333 (+21.83%)	$367,200 (+65.48%) Land $37,500 Building $329,700
2022	$2,030.00	$221,900 Land $45,000 Building $176,900	$221,900 Land $45,000 Building $176,900

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

Flood

FEMA maps place 998 Potomac Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (1991–2014)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jul 2014 · 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

The area around 998 Potomac Ave 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	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 652 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
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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