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205 Spruce Ct, Frederick, MD 21701 Property Records

Frederick County property record for 205 Spruce Ct, Frederick, MD 21701 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms1 Baths
Architecture StyleSplit Foyer
Year BuiltBuilt 1981
Square Footage1,452 sqft Living Area
Lot Size19,468 sqft (0.447 acres)
OccupancyOwner Occupied
Tax Bill$4,917.00 (2025)

Property Details

APN / Parcel Number

Primary APN02-032961
Alternative APNs
  • 2032961
  • 032961

Interior

Full Baths1 Baths
Building Area1,452 sqft Living Area
1st Floor852 sqft 1st Floor
Basement Area600 sqft Basement
Finished Basement600 sqft Finished
Stories1 Stories

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleSplit Foyer Style
Exterior MaterialSiding Exterior
Roof MaterialComposition Shingle Roof
Lot Area19,468 sqft (0.447 acres)
Deck Area256 sqft Deck

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHVAC Heating
SewageMunicipal Sewage

Location & Zoning

Account Number032961
Street Address205 SPRUCE CT
CityFREDERICK
StateMD
Zip21701-6362
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLT 78 SECT IX 0.48 ACRE CARROLLTON
Legal SubdivisionCARROLLTON SEC 09
Legal Lot Number78
JurisdictionFREDERICK MD
Minor Civil Division2, FREDERICK
Census Blockgroup1
Census Block1011
Census Tract765100

Owner

Source: Frederick County records · APN 02-032961

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address205 SPRUCE CT, FREDERICK, MD 21701-6362
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
GUARANTEED RATE INC
Oct 16, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Dec 28, 2016Deed of Trust, Mortgage · Veterans Administration Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record RefreshedSep 20, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address205 SPRUCE CT, FREDERICK, MD 21701-6362
Transaction TypeMortgage
Record UpdatedAug 09, 2021
Title CompanyCLIENTFIRST TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address205 SPRUCE CT, FREDERICK, MD 21701-6362

Mortgage

Document Number0141970116
DateOct 22, 2020
Book Page14197/116
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address205 SPRUCE CT, FREDERICK, MD 21701-6362
Transaction TypeMortgage
Record UpdatedAug 09, 2021
Title CompanyCERTIFIED TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0120830086
DateOct 16, 2017
Book Page12083/0086
Instrument12083-0086
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term359 Months
DueSep 01, 2047

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address205 SPRUCE CT, FREDERICK, MD 21701-6362
Document Number0116790082
Book / Page011679 / 000082
Instrument DateDec 28, 2016
Transaction TypeMortgage
Record UpdatedMar 20, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address205 SPRUCE CT FREDERICK MD 217016362, FREDERICK, MD 21701-6362

Mortgage

Document Number0116790082
DateFeb 21, 2017
Book Page011679/000082
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 20, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$362,867 (+32.79%)$392,600 (+12.82%) Land $222,300 Building $170,300
2025$4,917.00 (+12.41%)
2023$4,374.00 Homeowner's exemption$273,267$348,000 Land $182,800 Building $165,200

Flood & Wildfire

205 Spruce Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release

Historic DistrictWithin the Frederick Historic District (Boundary Increase)
listed 1988 · 2,435 contributing resources · NRIS 88000713

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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