20 Victoria Sq, Frederick, MD 21702 Property Records

Frederick County property record for 20 Victoria Sq, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,872 sqft · built 1988
Lot Size	0.033 acres (1,440 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2022)
Tax Bill	$5,531 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-151405`

Property Details

APN / Parcel Number

Primary APN	`02-151405`
Alternative APNs	`2151405` `151405`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,872 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,440 sqft (0.033 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	151405
Street Address	20 VICTORIA SQ
City	FREDERICK
State	MD
Zip	21702-1110
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	LT 4 SEC 4 PLAT 2 BLK B - 1440 SQ FT WILLOWCREST TOWNHOUSES
Legal Subdivision	WILLOWCREST TWNHS
Legal Block	B
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2001
Census Tract	750508

Historic Designation

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.

Owner

20 Victoria Sq, a townhouse, is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
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
May 12, 2022	Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 6, 2019	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Apr 19, 2017	Grant Deed, Transfer ENDEAVOR TITLE LLC
Feb 24, 2017	Deed of Trust, Mortgage · FHA Mortgage ALLIED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Dec 6, 2019 · Amount on File
Deed Book / Page	15920 / 1
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 12, 2022
Property Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
Document Number	0159200001
Book / Page	15920 / 1
Map Reference	MB 36 FO 140
Instrument Date	Apr 27, 2022
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	CLASSIC SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$812.50
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 with Right of Survivorship
Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110

Mortgage

Document Number	0000159206
Date	May 12, 2022
Instrument	15920/6

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110

Mortgage

Document Number	0143290001
Date	Dec 4, 2020
Book Page	14329/1

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2049

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 6, 2019
Property Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
Document Number	0133840060
Book / Page	13384 / 0060
Map Reference	MB 36 FO 140
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	OMNI LAND SETTLEMENT CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$583.75
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 in Severalty
Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110

Mortgage

Document Number	133840066
Date	Dec 6, 2019
Instrument	13384/0066

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 19, 2017
Property Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
Document Number	0117740330
Book / Page	011774 / 000330
Instrument Date	Feb 24, 2017
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VICTORIA SQ FREDERICK MD 217021110, FREDERICK, MD 21702-1110

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	20 VICTORIA SQ, FREDERICK, MD 21702-1110
Document Number	0117740335
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VICTORIA SQ FREDERICK MD 217021110, FREDERICK, MD 21702-1110

Mortgage

Document Number	0117740335
Date	Apr 10, 2017
Book Page	011774/000335

Lender

Name	ALLIED MTG
Type	Mortgage Company
Address	BALA CYNWYND, PA 19004

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Victoria Sq was $5,531.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$316,200	$352,200 Land $90,000 Building $262,200
2025	$5,531.00
2023	$4,147.00	$225,800	$298,200 Land $65,000 Building $233,200

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

Flood

FEMA maps place 20 Victoria Sq in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 20 Victoria Sq 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 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

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 437 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 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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