2340 Spruce Knob Ter, Frederick, MD 21702 Property Records

Frederick County property record for 2340 Spruce Knob Ter, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,181 sqft · built 2023
Lot Size	0.207 acres (9,023 sqft)
Owner	Individual on Record
Last Sale	$739,915 (Apr 2023)
Tax Bill	$11,197 (2023)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-603106`

Property Details

APN / Parcel Number

Primary APN	`02-603106`
Alternative APN	`603106`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,181 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,023 sqft (0.207 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	121 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	603106
Street Address	2340 SPRUCE KNOB TER
City	FREDERICK
State	MD
Zip	21702-1668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 SECTION 1 PAL 9,023 SQ FT SYCAMORE RIDGE
Legal Lot Number	21
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 assessment roll, as of July 1, 2023

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	2340 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 28, 2022	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	0016389128
Deed Book / Page	16389 / 128
Record Updated	Jun 7, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 5, 2023
Property Address	2340 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0163890128
Book / Page	16389 / 128
Map Reference	MB 105 PG 171&172
Instrument Date	Mar 29, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, QUANTUM TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,699.58
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	2340 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0016389137
Date	Apr 5, 2023
Instrument	16389/137

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 28, 2022
Property Address	2340 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0160050417
Book / Page	16005 / 417
Map Reference	MB 105 PG 171&172
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$4,672.28
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	$11,197.00	$617,967	$728,300 Land $117,000 Building $611,300

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
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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Nearby Properties on Spruce Knob Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures