2520 Waterside Dr, Unit 114, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 114, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,362 sqft · built 2002
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2020)
Tax Bill	$4,484 (2025)
Deeds & Mortgages	Nov 2020 Sale Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-242931`

Property Details

APN / Parcel Number

Primary APN	`02-242931`
Alternative APN	`242931`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,362 sqft Gross Area
1st Floor Area	1,362 sqft
Basement Area	851 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Garage Type	Detached
Garage Area	400 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	242931
Street Address	2520 WATERSIDE DR, 114
City	FREDERICK
State	MD
Zip	21701-3023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 114 PHASE 2 BLDG 2-1,362 SQ. FT. WORMANS MILL
Legal Subdivision	PARK PLACE AT WORMANS MILL
Legal Phase	2
Legal Lot Number	114
Legal Unit	114
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 114 is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2520 WATERSIDE DR, 114, FREDERICK, MD 21701-3023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed, Transfer
Oct 19, 2018	Deed, Transfer · Commercial Mortgage FREDERICK COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Prior Sale	Oct 19, 2018 · Amount on File
Deed Book / Page	14264 / 1
Record Updated	Oct 29, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 13, 2020
Property Address	2520 WATERSIDE DR UNIT 114, 114, FREDERICK, MD 21701-3023
Document Number	0142640001
Book / Page	14264 / 1
Map Reference	MB 72 PL 44-50
Instrument Date	Oct 23, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Tax	$1,325.00
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 by the Entirety
Address	2520 WATERSIDE DR UNIT 114, 114, FREDERICK, MD 21701-3023

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 19, 2018
Property Address	2520 WATERSIDE DR UNIT 114, 114, FREDERICK, MD 21701-3023
Document Number	0126770003
Book / Page	12677 / 0003
Map Reference	MB72 PL44-50
Instrument Date	Sep 18, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,174.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR UNIT 114, 114, FREDERICK, MD 21701-3023

Mortgage

Document Number	0001267710
Date	Oct 19, 2018
Instrument	12677/10

Lender

Name	FREDERICK COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2520 Waterside Dr, Unit 114 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 114 in Zone X, an area of minimal flood risk, within 100 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 100 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 114 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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