2103 Bear Creek Ct, Frederick, MD 21702 Property Records

Frederick County property record for 2103 Bear Creek Ct, Frederick, MD 21702

Property Summary

Property Type	Exempt (Full or Partial)
Details	3 ba · 5,327 sqft · built 2001
Lot Size	0.245 acres (10,662 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Apr 2009)
Tax Bill	$176 (2024)
Deeds & Mortgages	Jan 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-229730`

Property Details

APN / Parcel Number

Primary APN	`02-229730`
Alternative APNs	`2229730` `229730`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,327 sqft Gross Area
1st Floor Area	2,362 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,662 sqft (0.245 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	229730
Street Address	2103 BEAR CREEK CT
City	FREDERICK
State	MD
Zip	21702-5912
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	PND
Legal Description	LOT 39 SECT. 2 PLAT 2-10,662 SQ. FT. WALNUT RIDGE
Legal Subdivision	WALNUT RDG SEC 02
Legal Lot Number	39
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1000
Census Tract	751202

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

Source: Frederick County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	2103 BEAR CREEK CT, FREDERICK, MD 21702-5912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2009 · Amount on Record
Deed Sale	Apr 30, 2009 · Amount on Record
Prior Sale	Apr 30, 2009 · Amount on Record
Deed Document Number	200991485
Deed Book / Page	7275 / 377
Last Transfer Date	Aug 24, 2016
Transfer Doc	0113660312
Record Updated	Jun 8, 2026

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	2103 BEAR CREEK CT, FREDERICK, MD 21702-5912
Document Number	0116170432
Instrument Date	Jan 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 BEAR CREEK CT FREDERICK MD 217025912, FREDERICK, MD 21702-5912

Mortgage

Document Number	0116170432
Date	Jan 13, 2017
Book Page	011617/000432

Lender

Name	BANK OF AMERICA
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jan 12, 2042

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$564,100 (+21.32%) Land $119,000 Building $445,100	$564,100 (-) Land $119,000 Building $445,100
2024	$176.00 (+1%)
2023	$88.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$464,967	$564,100 Land $119,000 Building $445,100

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

Flood

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

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 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