2520 Waterside Dr, Unit 206, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 206, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,493 sqft · built 2002
Lot Size	0.034 acres (1,503 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Sep 2022)
Tax Bill	$4,237 (2023)
Deeds & Mortgages	Aug 2017 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-243032`

Property Details

APN / Parcel Number

Primary APN	`02-243032`
Alternative APN	`243032`

Interior

Full Baths	2 Baths
Building Area	1,493 sqft Total Area

Exterior

Year Built	Built 2002
Architectural Style	Condo/Apartment
Lot Area	1,503 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	243032
Street Address	2520 WATERSIDE DR UNIT 206, 206
City	FREDERICK
State	MD
Zip	21701-3024
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 206 PHASE 2 BLDG 2-1,503 SQ. FT. WORMAN'S MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	206
Legal Unit	206
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 September 25, 2023

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 UNIT 206, 206, FREDERICK, MD 21701-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK
Sep 21, 2022	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 30, 2020	Grant Deed, Transfer R AND P SETTLEMENT GROUP LLC, R&P SETTLEMENT GRP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Jan 30, 2020 · Amount on Record
Deed Document Number	0016143147
Deed Book / Page	16143 / 147
Record Updated	Jun 7, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 206, 206, FREDERICK, MD 21701-3024
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0119680100
Date	Aug 8, 2017
Book Page	11968/0100
Instrument	11968-0100

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	HAGERSTOWN, MD 21742

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 21, 2022
Property Address	2520 WATERSIDE DR UNIT 206, 206, FREDERICK, MD 21701-3024
Document Number	0161430147
Book / Page	16143 / 147
Map Reference	MB 72 PL 44
Instrument Date	Aug 29, 2022
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMTS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$837.50
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 WATERSIDE DR UNIT 206, 206, FREDERICK, MD 21701-3024

Mortgage

Document Number	0016143155
Date	Sep 21, 2022
Instrument	16143/155

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 30, 2020
Property Address	2520 WATERSIDE DR UNIT 206, 206, FREDERICK, MD 21701-3024
Document Number	0134970194
Book / Page	013497 / 000194
Instrument Date	Feb 9, 2019
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	R AND P SETTLEMENT GROUP LLC, R&P SETTLEMENT GRP LLC

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	Joint Tenants with Right of Survivorship
Address	2520 WATERSIDE DR #206 FREDERICK MD 217013024, 206, FREDERICK, MD 21701-3024

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$4,237.00	$260,667	$322,000 Land $90,000 Building $232,000

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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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