2520 Waterside Dr, Unit 112, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 112, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,350 sqft · built 2002
Lot Size	0.031 acres (1,338 sqft)
Owner	2 Company Names on Record
Last Sale	$380,000 (Jul 2026)
Tax Bill	$4,307 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-242915`

Property Details

APN / Parcel Number

Primary APN	`02-242915`
Alternative APN	`242915`

Interior

Full Baths	2 Baths
Units	69 Units
Building Area	1,350 sqft Gross Area
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	1,338 sqft (0.031 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	242915
Street Address	2520 WATERSIDE DR, 112
City	FREDERICK
State	MD
Zip	21701-3023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 112 PHASE 2 BLDG 2-1,338 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	112
Legal Unit	112
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	2 Company Names on Record
Mailing Address	2520 WATERSIDE DR, 112, FREDERICK, MD 21701-3023
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Oct 29, 2009 · Amount on Record
Deed Book / Page	17955 / 93
Prior Transfer Date	May 13, 2024
Prior Transfer Doc	0168730158
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 13, 2026
Property Address	2520 WATERSIDE DR, 112, FREDERICK, MD 21701-3023
Document Number	1795000093
Book / Page	17955 / 93
Instrument Date	Jun 25, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$383,800.00
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	Family Trust
Address	2520 WATERSIDE DR, 112, FREDERICK, MD 21701-3023
Investor	Possibly a Property Investor

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 112, 112, FREDERICK, MD 21701-3023
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR 112, 112, FREDERICK, MD 21701-3023

Mortgage

Document Number	0176210492
Date	Nov 26, 2025
Book Page	17621/492

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 112, 112, FREDERICK, MD 21701-3023
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151020132
Date	Jul 19, 2021
Book Page	15102/132

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2024
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.37%
Index	5-Year CMT
Margin	2
Max Rate	7.37%

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		$290,000 (+11.54%)	$350,000 (+34.62%) Land $105,000 Building $245,000
2025	$4,307.00 (+4.74%) Homeowner's exemption	$260,000 (+18.18%) Land $90,000 Building $170,000	$260,000 (-) Land $90,000 Building $170,000
2024	$4,112.00 (+7.22%)
2023	$3,835.00 Homeowner's exemption	$220,000	$260,000 Land $90,000 Building $170,000

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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