Frederick County property record for 1388 Rocky Springs Rd, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,248 sqft · built 2020 |
| Lot Size | 0.195 acres (8,474 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $543,892 (Aug 2020) |
| Tax Bill | $10,138 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-597688 |
| Primary APN | 02-597688 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,248 sqft Living Area |
| Gross Area | 3,728 sqft |
| 1st Floor Area | 1,766 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,474 sqft (0.195 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 597688 |
|---|---|
| Street Address | 1388 ROCKY SPRINGS RD |
| City | FREDERICK |
| State | MD |
| Zip | 21702-8231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 59 PHASE 1 PLAT 8,474 SQ FT MILLIES DELIGHT |
| Legal Phase | 1 |
| Legal Lot Number | 59 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 751203 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1388 Rocky Springs Rd is owned and occupied by two individuals who bought it in August 2020.
Source: Frederick County records, as of June 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE |
| Feb 27, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Aug 19, 2020 | Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 27, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2020 · Amount on File |
| Deed Sale | Aug 19, 2020 · Amount on File |
| Prior Sale | Dec 27, 2019 · Amount on File |
| Deed Book / Page | 13996 / 248 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 24, 2026 |
| Property Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 1797000295 |
| Book / Page | 17972 / 295 |
| Instrument Date | Jul 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $706,899.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 1797000303, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 17972/303 |
| Name | FIRST HERITAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 0167740394 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 16774/394 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 19, 2020 |
| Property Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 0139960248 |
| Book / Page | 13996 / 248 |
| Map Reference | MB 101 PG 62 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,719.46 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 0013996254 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 13996/254 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 27, 2019 |
| Property Address | 1388 ROCKY SPRINGS RD, FREDERICK, MD 21702-8231 |
| Document Number | 0134220110 |
| Book / Page | 013422 / 000110 |
| Instrument Date | Dec 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $232.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 227 GRANITE RUN DR #100 LANCASTER PA 176016813, 100, LANCASTER, PA 17601-6813 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1388 Rocky Springs Rd was $10,138 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,138.00 Homeowner's exemption | $550,600 Land $90,900 Building $459,700 | $550,600 Land $90,900 Building $459,700 |
| 2023 | $9,103.00 Homeowner's exemption | $501,933 | $550,600 Land $90,900 Building $459,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1388 Rocky Springs Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 1388 Rocky Springs Rd is low, with a 0.01% annual chance of wildfire.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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