2520 Mill Race Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Mill Race Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,690 sqft · built 2011
Lot Size	0.049 acres (2,139 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Apr 2022)
Tax Bill	$7,496 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-259265`

Property Details

APN / Parcel Number

Primary APN	`02-259265`
Alternative APN	`259265`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,440 sqft Living Area
1st Floor Area	890 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	2,139 sqft (0.049 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	259265
Street Address	2520 MILL RACE RD
City	FREDERICK
State	MD
Zip	21701-6821
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 138 SECTION 7C PLAT 16-2139 SQ. FT. MILL ISLAND-WORMANS MILL
Legal Subdivision	MILL ISLAND & WORMANS MILL SE
Legal Lot Number	138
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1014
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 October 19, 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	2520 MILL RACE RD, FREDERICK, MD 21701-6821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP
Nov 15, 2021	Deed of Trust, Mortgage · Line of Credit TRUENERGY FCU
Jun 27, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2022 · Amount on Record
Deed Sale	Apr 7, 2022 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Book / Page	15838 / 260
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 7, 2022
Property Address	2520 MILL RACE RD, FREDERICK, MD 21701-6821
Document Number	0158380260
Book / Page	15838 / 260
Map Reference	MB 79 PL 70
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
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	2520 MILL RACE RD, FREDERICK, MD 21701-6821

Mortgage

Document Number	0015838268
Date	Apr 7, 2022
Instrument	15838/268

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 MILL RACE RD, FREDERICK, MD 21701-6821
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154950365
Date	Nov 15, 2021
Book Page	15495/365

Lender

Name	TRUENERGY FCU
Type	Credit Union
Address	SPRINGFIELD, VA 22151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 14, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 27, 2019
Property Address	2520 MILL RACE RD, FREDERICK, MD 21701-6821
Document Number	0130540399
Book / Page	013054 / 000399
Instrument Date	Jun 13, 2019
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2520 MILL RACE RD FREDERICK MD 217016821, FREDERICK, MD 21701-6821

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		$453,467 (+23.79%)	$488,000 (+11.88%) Land $130,000 Building $358,000
2025	$7,496.00 (+12.33%)
2023	$6,673.00	$366,333	$436,200 Land $90,000 Building $346,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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 94% of the US · lower than 89% 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.

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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