2345 Spruce Knob Ter, Frederick, MD 21702 Property Records

Frederick County property record for 2345 Spruce Knob Ter, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	4.5 ba · 1,472 sqft · built 2024
Lot Size	0.047 acres (2,040 sqft)
Owner	Individual Name on Record
Last Sale	$438,040 (May 2024)
Tax Bill	$6,489 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-604748`

Property Details

APN / Parcel Number

Primary APN	`02-604748`
Alternative APN	`604748`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	1,472 sqft Living Area
1st Floor Area	756 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Townhouse
Roof Material	Composition Shingle
Lot Area	2,040 sqft (0.047 acres)
Porch	Open Porch
Porch Area	20 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	604748
Street Address	2345 SPRUCE KNOB TER
City	FREDERICK
State	MD
Zip	21702-1669
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 133 SECTION 1 PL 2,040 SQ FT SYCAMORE RIDGE
Legal Subdivision	SYCAMORE RIDGE
Legal Lot Number	133
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 July 7, 2026

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	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 1, 2024	Deed, Transfer · FHA Mortgage LENNAR MORTGAGE LLC
Sep 7, 2023	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Jan 22, 2024 · Amount on Record
Deed Book / Page	16846 / 1
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2026
Property Address	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669
Document Number	1793000221
Book / Page	17938 / 221
Instrument Date	Dec 24, 2025
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669

Mortgage

Document Number	1793000221,
Date	Jun 29, 2026
Book Page	17938/221

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 1, 2024
Property Address	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669
Document Number	0168460001
Book / Page	16846 / 1
Map Reference	MB 108 PG 3
Instrument Date	Apr 12, 2024
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	NOT AVAILABLE, DOMA TITLE INSURANCE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,190.20
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 in Severalty
Address	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669

Mortgage

Document Number	0001684613
Date	May 1, 2024
Instrument	16846/13

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 7, 2023
Property Address	2345 SPRUCE KNOB TER, FREDERICK, MD 21702-1669
Document Number	0165910171
Book / Page	16591 / 171
Map Reference	MB 108 PG 3&4
Instrument Date	Sep 6, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$4,550.00
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	$6,489.00 (+324.67%) Homeowner's exemption	$374,500 (+340.59%) Land $85,000 Building $289,500	$374,500 (+340.59%) Land $85,000 Building $289,500
2023	$1,528.00	$85,000 Land $85,000	$85,000 Land $85,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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