2520 Waterside Dr, Unit 106, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 106, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,354 sqft · built 2002
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2013)
Tax Bill	$4,484 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-242850`

Property Details

APN / Parcel Number

Primary APN	`02-242850`
Alternative APN	`242850`

Interior

Full Baths	2 Baths
Building Area	1,354 sqft Gross Area
1st Floor Area	1,354 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	242850
Street Address	2520 WATERSIDE DR, 106
City	FREDERICK
State	MD
Zip	21701-3023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 106 PHASE 2 BLDG 2-1,354 SQ. FT. WORMANS MILL
Legal Phase	2
Legal Lot Number	106
Legal Unit	106
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

2520 Waterside Dr, Unit 106 is owned and occupied by an individual who bought it in November 2013.

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2520 WATERSIDE DR, 106, FREDERICK, MD 21701-3023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2013 · Amount on File
Deed Sale	Nov 15, 2013 · Amount on File
Prior Sale	Mar 14, 2002 · Amount on File
Deed Book / Page	9850 / 325
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 106, 106, FREDERICK, MD 21701-3023
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116310338
Date	Jan 23, 2017
Book Page	11631/0338
Instrument	11631-0338

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 106, 106, FREDERICK, MD 21701-3023
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156280001
Date	Jan 3, 2022
Book Page	15628/1

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2520 Waterside Dr, Unit 106 was $4,484 with a homeowner's exemption.

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	$365,000 Land $110,000 Building $255,000
2025	$4,484.00
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

FEMA maps place 2520 Waterside Dr, Unit 106 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2520 Waterside Dr, Unit 106 is low, with less than a 0.01% annual chance of 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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