2382 Spruce Knob Ter, Frederick, MD 21702 Property Records

Frederick County property record for 2382 Spruce Knob Ter, Frederick, MD 21702

Property Summary

Property Type	Exempt (Full or Partial)
Details	4 ba · 2,682 sqft · built 2023
Lot Size	0.051 acres (2,223 sqft)
Owner	Individual Name on Record
Last Sale	$496,300 (Aug 2026)
Tax Bill	$88 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-604731`

Property Details

APN / Parcel Number

Primary APN	`02-604731`
Alternative APN	`604731`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,682 sqft Gross Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,223 sqft (0.051 acres)
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Balcony Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	604731
Street Address	2382 SPRUCE KNOB TER
City	FREDERICK
State	MD
Zip	21702-1668
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	LOT 116 SECTION 1 PL 2,223 SQ FT SYCAMORE RIDGE
Legal Lot Number	116
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 1, 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	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jan 8, 2026	Deed of Trust, Mortgage · VA Mortgage XPERT HOME LENDING INC
Dec 21, 2023	Deed, Transfer · VA Mortgage LENNAR MORTGAGE LLC
Jun 1, 2023	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Dec 21, 2023 · Amount on Record
Deed Book / Page	18016 / 197
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 21, 2026
Property Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	1801000197
Book / Page	18016 / 197
Instrument Date	Aug 11, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$501,263.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	1801000206,
Date	Aug 21, 2026
Book Page	18016/206

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0176750448
Date	Jan 8, 2026
Book Page	17675/448

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company
Address	SUWANEE, GA 30024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2055

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 21, 2023
Property Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0167100095
Book / Page	16710 / 95
Map Reference	MB 108 PG 3
Instrument Date	Nov 28, 2023
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	NOT AVAILABLE, DOMA TITLE INSURANCE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,251.79
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	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668

Mortgage

Document Number	0016710106
Date	Dec 21, 2023
Instrument	16710/106

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 1, 2023
Property Address	2382 SPRUCE KNOB TER, FREDERICK, MD 21702-1668
Document Number	0164620435
Book / Page	16462 / 435
Map Reference	MB 108 PG 3&4
Instrument Date	May 31, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$2,125.00
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
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$435,100 (+3.4%)	$463,700 (+10.19%) Land $105,000 Building $358,700
2025	$88.00 (-94.24%)	$420,800 (+395.06%) Land $85,000 Building $335,800	$420,800 (+395.06%) Land $85,000 Building $335,800
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
Nearest Special Flood Hazard Area	Zone AE, 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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