Frederick County property record for 200 Harpers Way, Frederick, MD 21702
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,275 sqft · built 2000 |
| Lot Size | 0.076 acres (3,302 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Apr 2018) |
| Tax Bill | $5,963 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-228173 |
| Primary APN | 02-228173 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 2,275 sqft Living Area |
| Gross Area | 2,515 sqft |
| 1st Floor Area | 775 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,302 sqft (0.076 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 228173 |
|---|---|
| Street Address | 200 HARPERS WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21702-3097 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R8 |
| Legal Description | LOT 294 SECTION 3C PLAT 1-3,302 SQ. FT. NORTH CROSSING |
| Legal Subdivision | NORTH CROSSING |
| Legal Lot Number | 294 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 750701 |
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.
200 Harpers Way, a townhouse, is owned and occupied by an individual who bought it in April 2018.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 HARPERS WAY, FREDERICK, MD 21702-3097 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Apr 10, 2018 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2018 · Amount on File |
| Deed Sale | Apr 10, 2018 · Amount on File |
| Prior Sale | Aug 25, 2000 · Amount on File |
| Deed Book / Page | 12357 / 461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 200 HARPERS WAY, FREDERICK, MD 21702-3097 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 200 HARPERS WAY, FREDERICK, MD 21702-3097 |
| Document Number | 0164950032 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 16495/32 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 10, 2018 |
| Property Address | 200 HARPERS WAY, FREDERICK, MD 21702-3097 |
| Document Number | 0123570461 |
| Book / Page | 012357 / 000461 |
| Instrument Date | Apr 4, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | MID-ATLANTIC SETTLEMENT SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 200 HARPERS WAY FREDERICK MD 217023097, FREDERICK, MD 21702-3097 |
| Document Number | 123570469 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 012357/000469 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
The 2025 property tax bill for 200 Harpers Way was $5,963 with a homeowner's exemption.
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 | $389,100 | $423,900 Land $120,000 Building $303,900 | |
| 2025 | $5,963.00 | ||
| 2023 | $5,303.00 Homeowner's exemption | $307,567 | $371,700 Land $95,000 Building $276,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 200 Harpers Way 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 | 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 200 Harpers Way is low, with less than 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 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: 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 539 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
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