2500 Waterside Dr, Unit 117, Frederick, MD 21701 Property Records

Frederick County property record for 2500 Waterside Dr, Unit 117, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,493 sqft · built 1999
Lot Size	0.034 acres (1,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Dec 2009)
Tax Bill	$4,403 (2023)
Deeds & Mortgages	Oct 2022 Reverse Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-224437`

Property Details

APN / Parcel Number

Primary APN	`02-224437`
Alternative APNs	`2224437` `224437`

Interior

Full Baths	2 Baths
Building Area	1,493 sqft Total Area

Exterior

Year Built	Built 1999
Architectural Style	Condo/Apartment
Lot Area	1,500 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	224437
Old Parcel Number	2224437
Street Address	2500 WATERSIDE DR UNIT 117, 117
City	FREDERICK
State	MD
Zip	21701-3298
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 117 PHASE 1 BLDG 1-1,500 SQ. FT. WORMAN'S MILL
Legal Subdivision	WORMANS MILL
Legal Phase	1
Legal Lot Number	117
Legal Unit	117
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1019
Census Tract	750802

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	2 Individual Names on Record
Mailing Address	2500 WATERSIDE DR UNIT 117, 117, FREDERICK, MD 21701-3298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2009 · Amount on Record
Deed Sale	Dec 17, 2009 · Amount on Record
Prior Sale	May 3, 2000 · Amount on Record
Deed Document Number	095669
Deed Book / Page	07641 / 0067
Prior Transfer Date	Dec 15, 2009
Prior Transfer Doc	0076410067
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2500 WATERSIDE DR UNIT 117, 117, FREDERICK, MD 21701-3298
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	GPN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 WATERSIDE DR 117, 117, FREDERICK, MD 21701-3298

Mortgage

Document Number	0162000400
Date	Oct 31, 2022
Book Page	16200/400

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	785 Months
Due	Mar 19, 2088

Interest

Rate Type	Adjustable Rate
Rate	1.33%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2022
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2500 WATERSIDE DR UNIT 117, 117, FREDERICK, MD 21701-3298
Document Number	0120460413
Book / Page	012046 / 000413
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2500 WATERSIDE DR #117 FREDERICK MD 217013298, 117, FREDERICK, MD 21701-3298

Mortgage

Document Number	0120460413
Date	Sep 25, 2017
Book Page	012046/000413

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 24, 2037

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	$4,403.00 Homeowner's exemption	$260,667	$322,000 Land $90,000 Building $232,000

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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