2520 Waterside Dr, Unit 304, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 304, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 2,335 sqft · built 2002
Lot Size	0.054 acres (2,335 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,000 (Jan 2025)
Tax Bill	$5,945 (2025)
Deeds & Mortgages	Jan 2024 Transfer Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-243164`

Property Details

APN / Parcel Number

Primary APN	`02-243164`
Alternative APN	`243164`

Interior

Full Baths	2 Baths
Units	69 Units
Building Area	2,335 sqft Gross Area
1st Floor Area	2,335 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	2,335 sqft (0.054 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	243164
Street Address	2520 WATERSIDE DR, 304
City	FREDERICK
State	MD
Zip	21701-3025
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 304 PHASE 2 BLDG 2-2,335 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	304
Legal Unit	304
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 Individual Names on Record
Mailing Address	1113 HOLDEN RD, FREDERICK, MD 21701-3429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Intrafamily Transfer, Transfer
Apr 7, 2022	Intrafamily Transfer, Transfer
Jul 30, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jan 6, 2017	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2025 · Amount on Record
Deed Sale	Jan 3, 2025 · Amount on Record
Prior Sale	Jul 30, 2020 · Amount on Record
Deed Book / Page	17173 / 97
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0167270417
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jan 9, 2024
Property Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025
Document Number	0167270417
Book / Page	16727 / 417
Map Reference	MB 72 PL 44-50
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 7, 2022
Property Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025
Document Number	0158410254
Book / Page	15841 / 254
Map Reference	MB 72 PL 44-50
Instrument Date	Mar 24, 2022
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 30, 2020
Property Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025
Document Number	0139360437
Book / Page	013936 / 000437
Instrument Date	Jul 21, 2020
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$426.00
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 #304 FREDERICK MD 217013025, 304, FREDERICK, MD 21701-3025

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 6, 2017
Property Address	2520 WATERSIDE DR UNIT 304, 304, FREDERICK, MD 21701-3025
Document Number	0115990213
Book / Page	11599 / 0213
Map Reference	LB2573 FO62
Instrument Date	Nov 3, 2016
Instrument	11599-0213
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACER TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,880.00
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
Relationship	Tenants by the Entirety
Address	2520 WARERSIDE DR 304, 304, FREDERICK, MD 21701-3025

Mortgage

Document Number	115990220
Date	Jan 6, 2017
Instrument	11599-0220

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

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		$392,000 (+21.36%)	$530,000 (+64.09%) Land $150,000 Building $380,000
2025	$5,945.00 (+3,277.84%)	$323,000 (+11.51%) Land $100,000 Building $223,000	$323,000 (-) Land $100,000 Building $223,000
2024	$176.00 (+1%)
2023	$88.00	$289,667	$323,000 Land $100,000 Building $223,000

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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