221 Spring Bank Ave, Frederick, MD 21701 Property Records

Frederick County property record for 221 Spring Bank Ave, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 2,000 sqft · built 2020
Lot Size	0.028 acres (1,240 sqft)
Owner	Individual Name on Record
Last Sale	$315,196 (Mar 2020)
Tax Bill	$5,922 (2023)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-595758`

Property Details

APN / Parcel Number

Primary APN	`02-595758`
Alternative APN	`595758`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,000 sqft Total Area

Exterior

Year Built	Built 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,240 sqft (0.028 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	595758
Street Address	221 SPRING BANK AVE
City	FREDERICK
State	MD
Zip	21701-3053
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 11 PLAT 4 1,240 SQ FT SPRING BANK
Legal Subdivision	SPRING BANK
Legal Lot Number	11
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3011
Census Tract	750802

Historic Designation

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

Individually Listed	Spring Bank listed 1984 · 5 contributing resources · NRIS 84001772

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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · VA Mortgage HOMESIDE FINANCIAL LLC
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage DRAPER & KRAMER MTG
Mar 25, 2020	Deed, Subdivision Related Transfer · VA Mortgage INTEGRITY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on Record
Deed Sale	Mar 25, 2020 · Amount on Record
Prior Sale	Apr 6, 2018 · Amount on Record
Deed Document Number	0001361210
Deed Book / Page	13612 / 10
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053

Mortgage

Document Number	0151980391
Date	Aug 16, 2021
Book Page	15198/391

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053
Document Number	0142830173
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 SPRING BANK WAY FREDERICK MD 217013055, FREDERICK, MD 21701-3055

Mortgage

Document Number	0142830173
Date	Nov 19, 2020
Book Page	014283/000173

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

March 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 25, 2020
Property Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053
Document Number	0136120010
Book / Page	13612 / 10
Map Reference	MB 99 PG 168
Instrument Date	Mar 10, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022
Title Company	KEYSTONE TTL SETMNT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$787.99
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 by the Entirety
Address	221 SPRING BANK AVE, FREDERICK, MD 21701-3053

Mortgage

Document Number	0136120020
Date	Mar 25, 2020
Instrument	13612/0020

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$5,922.00	$324,567	$369,900 Land $75,000 Building $294,900

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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