2326 Spruce Knob Ter, Frederick, MD 21702 Property Records

Frederick County property record for 2326 Spruce Knob Ter, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,138 sqft · built 2022
Lot Size	0.164 acres (7,159 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Jan 2023)
Tax Bill	$11,356 (2023)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-603113`

Property Details

APN / Parcel Number

Primary APN	`02-603113`
Alternative APN	`603113`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,138 sqft Total Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,159 sqft (0.164 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	141 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	603113
Street Address	2326 SPRUCE KNOB TER
City	FREDERICK
State	MD
Zip	21702-1668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 SECTION 1 PLA 7,159 SQ FT SYCAMORE RIDGE
Legal Lot Number	28
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	3
Census Block	3009
Census Tract	751203

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 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	2326 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed, Transfer · Conventional Mortgage CNB BANK INC
Apr 7, 2022	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	0016305199
Deed Book / Page	16305 / 199
Record Updated	Jun 7, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 23, 2023
Property Address	2326 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0163050199
Book / Page	16305 / 199
Map Reference	MB 105 PG 171&172
Instrument Date	Jan 20, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, DOMA TITLE INSURANCE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,712.50
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
Address	2326 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0016305210
Date	Jan 23, 2023
Instrument	16305/210

Lender

Name	CNB BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.45%
Type Change Date	Feb 1, 2030
Change Frequency	7 Years
Min Rate At Change	6.45%
Max Rate At Change	8.2%
Index	5-Year TN
Max Rate	11.4%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 7, 2022
Property Address	2326 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0158390266
Book / Page	15839 / 266
Map Reference	MB 105 PG 171&172
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$5,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7035 ALBERT EINSTEIN DR STE 200, 200, COLUMBIA, MD 21046-3375
Investor	Possibly a Property Investor

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	$11,356.00	$626,833	$739,100 Land $116,000 Building $623,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Glo Fiber.

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