2520 Waterside Dr, Unit 105, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 105, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,362 sqft · built 2002
Lot Size	0.031 acres (1,362 sqft)
Owner	Individual Name on Record
Last Sale	$373,000 (Jul 2026)
Tax Bill	$4,484 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-242842`

Property Details

APN / Parcel Number

Primary APN	`02-242842`
Alternative APN	`242842`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	69 Units
Stories	2 Stories
Building Area	1,362 sqft Gross Area
1st Floor Area	1,362 sqft
Basement Area	500 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Roof Material	Composition Shingle
Lot Area	1,362 sqft (0.031 acres)
Garage Type	Detached
Garage Area	400 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	242842
Street Address	2520 WATERSIDE DR, 105
City	FREDERICK
State	MD
Zip	21701-3023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 105 PHASE 2 BLDG 2-1,362 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	105
Legal Unit	105
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 August 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	2520 WATERSIDE DR, 105, FREDERICK, MD 21701-3023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Dec 31, 2018	Grant Deed, Transfer KEYSTONE SETTLEMENT SERVICES, KEYSTONE TITLE SETTLEMENTS SVC
Sep 10, 2018	Grant Deed, Transfer RGS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Dec 31, 2018 · Amount on Record
Deed Book / Page	17982 / 208
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 30, 2026
Property Address	2520 WATERSIDE DR, 105, FREDERICK, MD 21701-3023
Document Number	1798000208
Book / Page	17982 / 208
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376,730.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2520 WATERSIDE DR, 105, FREDERICK, MD 21701-3023

Mortgage

Document Number	1798000215,
Date	Jul 30, 2026
Book Page	17982/215

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 31, 2018
Property Address	2520 WATERSIDE DR UNIT 105, 105, FREDERICK, MD 21701-3023
Document Number	0127760455
Book / Page	012776 / 000455
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TITLE SETTLEMENTS SVC

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2520 WATERSIDE DR #105 FREDERICK MD 217013023, 105, FREDERICK, MD 21701-3023

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 10, 2018
Property Address	2520 WATERSIDE DR UNIT 105, 105, FREDERICK, MD 21701-3023
Document Number	0126120009
Book / Page	012612 / 000009
Instrument Date	Sep 4, 2018
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2520 WATERSIDE DR #4105 FREDERICK MD 217013020, 4105, FREDERICK, MD 21701-3020

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		$347,667 (+2.56%)	$365,000 (+7.67%) Land $110,000 Building $255,000
2025	$4,484.00 (+4.84%) Homeowner's exemption	$339,000 (+34.7%) Land $90,000 Building $249,000	$339,000 (-) Land $90,000 Building $249,000
2024	$4,277.00 (+7.3%)
2023	$3,986.00 Homeowner's exemption	$251,667	$339,000 Land $90,000 Building $249,000

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 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 96% of the US · lower than 92% 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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