2344 Spruce Knob Ter, Frederick, MD 21702 Property Records

Frederick County property record for 2344 Spruce Knob Ter, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,512 sqft · built 2022
Lot Size	0.148 acres (6,454 sqft)
Owner	2 Individual Names on File
Last Sale	$544,990 (Dec 2022)
Tax Bill	$9,545 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-603104`

Property Details

APN / Parcel Number

Primary APN	`02-603104`
Alternative APN	`603104`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,512 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	1,426 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,454 sqft (0.148 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	603104
Street Address	2344 SPRUCE KNOB TER
City	FREDERICK
State	MD
Zip	21702-1668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 SECTION 1 PAL 6,454 SQ FT SYCAMORE RIDGE
Legal Subdivision	SYCAMORE RIDGE PH 1A
Legal Lot Number	19
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 August 4, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	2344 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 2, 2022	Deed, Transfer · Conventional Mortgage LENNAR MORTGAGE LLC
Apr 7, 2022	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 2, 2022 · Amount on Record
Deed Sale	Dec 2, 2022 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Book / Page	16247 / 426
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2344 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2344 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0177940318
Date	Mar 31, 2026
Book Page	17794/318

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2041

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 2, 2022
Property Address	2344 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0162470426
Book / Page	16247 / 426
Map Reference	MB 105 PG 171&172
Instrument Date	Nov 23, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, DOMA TITLE INSURANCE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,362.48
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	2344 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0016247437
Date	Dec 2, 2022
Instrument	16247/437

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	Other
Margin	3
Max Rate	10.8%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 7, 2022
Property Address	2344 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 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		$575,900 (+17.44%) Land $115,700 Building $460,200	$575,900 (-) Land $115,700 Building $460,200
2024	$9,545.00 (+7.21%)
2023	$8,903.00	$490,367	$575,900 Land $115,700 Building $460,200

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 at the parcel

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: Shenandoah Telecommunications Company.

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