2520 Waterside Dr, Unit 309, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 309, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,551 sqft · built 2002
Lot Size	0.036 acres (1,547 sqft)
Owner	Individual Name on Record
Last Sale	$328,000 (Sep 2006)
Tax Bill	$4,953 (2025)
Deeds & Mortgages	Oct 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-243210`

Property Details

APN / Parcel Number

Primary APN	`02-243210`
Alternative APN	`243210`

Interior

Full Baths	2 Baths
Units	69 Units
Building Area	1,551 sqft Gross Area
1st Floor Area	1,551 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	1,547 sqft (0.036 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	243210
Street Address	2520 WATERSIDE DR, 309
City	FREDERICK
State	MD
Zip	21701-3025
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 309 PHASE 2 BLDG 2-1,547 SQ. FT. WORMANS MILL
Legal Subdivision	PARK PLACE/WORMANS MILL PH 02
Legal Phase	2
Legal Lot Number	309
Legal Unit	309
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 July 14, 2026

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, 309, FREDERICK, MD 21701-3025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2006 · Amount on Record
Deed Sale	Sep 1, 2006 · Amount on Record
Prior Sale	Sep 9, 2005 · Amount on Record
Deed Document Number	200666093
Deed Book / Page	6203 / 25
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 309, 309, FREDERICK, MD 21701-3025
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PRIORITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR 309, 309, FREDERICK, MD 21701-3025

Mortgage

Document Number	0161710482
Date	Oct 11, 2022
Book Page	16171/482

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	923 Months
Due	Sep 5, 2099

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$4,953.00 (+12.49%) Homeowner's exemption	$322,000 (+23.53%) Land $90,000 Building $232,000	$322,000 (-) Land $90,000 Building $232,000
2023	$4,403.00 Homeowner's exemption	$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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