Frederick County property record for 1808 Spruce Peak Way, Frederick, MD 21702
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,187 sqft · built 2001 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (May 2021) |
| Tax Bill | $6,352 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-230143 |
| Primary APN | 02-230143 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,187 sqft Living Area |
| 1st Floor Area | 847 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Deck Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 230143 |
|---|---|
| Street Address | 1808 SPRUCE PEAK WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21702-5905 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PND |
| Legal Description | LOT 340 SEC 2 PL 7 2,000 SQ. FT. WALNUT RIDGE |
| Legal Subdivision | WALNUT RIDGE |
| Legal Lot Number | 340 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 751202 |
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.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| May 11, 2021 | Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP |
| Jan 9, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2021 · Amount on File |
| Deed Sale | May 11, 2021 · Amount on File |
| Prior Sale | Oct 10, 2014 · Amount on File |
| Deed Book / Page | 14870 / 340 |
| Prior Transfer Date | Dec 14, 2016 |
| Prior Transfer Doc | 0116020117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | CREEKSIDE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Document Number | 0140370040 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 14037/40 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 11, 2021 |
| Property Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Document Number | 0148700340 |
| Book / Page | 14870 / 340 |
| Map Reference | MB 67 PL 105-113 |
| Instrument Date | Apr 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Document Number | 14870347 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 14870/347 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 9, 2017 |
| Property Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Document Number | 0116020117 |
| Book / Page | 11602 / 0117 |
| Map Reference | MB67 PG105-113 |
| Instrument Date | Dec 14, 2016 |
| Instrument | 11602-0117 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ADVANTAGE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1808 SPRUCE PEAK WAY, FREDERICK, MD 21702-5905 |
| Investor | Possibly a Property Investor |
| Document Number | 116020123 |
|---|---|
| Date | Jan 9, 2017 |
| Instrument | 11602-0123 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $359,200 (+25.27%) | $391,200 (+13.99%) Land $110,500 Building $280,700 | |
| 2025 | $6,352.00 (+21.18%) | ||
| 2023 | $5,242.00 | $286,733 | $343,200 Land $85,000 Building $258,200 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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