2520 Waterside Dr, Unit 313, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 313, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,383 sqft · built 2002
Lot Size	0.031 acres (1,383 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jan 2026)
Tax Bill	$5,981 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-243253`

Property Details

APN / Parcel Number

Primary APN	`02-243253`
Alternative APN	`243253`

Interior

Full Baths	2 Baths
Building Area	1,383 sqft Total Area

Exterior

Year Built	Built 2002
Architectural Style	Condo/Apartment
Lot Area	1,383 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	243253
Street Address	2520 WATERSIDE DR UNIT 313, 313
City	FREDERICK
State	MD
Zip	21701-3025
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 313 PHASE 2 BLDG 2-1,383 SQ. FT. WORMAN'S MILL
Legal Subdivision	PARK PLACE/WORMANS MILL
Legal Phase	2
Legal Lot Number	313
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 January 28, 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 UNIT 313, 313, FREDERICK, MD 21701-3025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 19, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 8, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Oct 19, 2022 · Amount on Record
Deed Document Number	0017684391
Deed Book / Page	17684 / 391
Record Updated	Jun 8, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 14, 2026
Property Address	2520 WATERSIDE DR UNIT 313, 313, FREDERICK, MD 21701-3025
Document Number	0176840391
Book / Page	17684 / 391
Map Reference	MB 72 PL 44-50
Instrument Date	Jan 13, 2026
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	VILLAGE SETTLEMENTS INC, VILLAGE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.00
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 in Severalty
Address	2520 WATERSIDE DR UNIT 313, 313, FREDERICK, MD 21701-3025

Mortgage

Document Number	0017684398
Date	Jan 14, 2026
Instrument	17684/398

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 19, 2022
Property Address	2520 WATERSIDE DR UNIT 313, 313, FREDERICK, MD 21701-3025
Document Number	0161870207
Book / Page	16187 / 207
Map Reference	MB 72 PL 44-50
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	TITLE-RITE SERVICES INC, TITLE RITE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,737.50
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 by the Entirety
Address	2520 WATERSIDE DR UNIT 313, 313, FREDERICK, MD 21701-3025

Mortgage

Document Number	0016187213
Date	Oct 19, 2022
Instrument	16187/213

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 8, 2017
Property Address	2520 WATERSIDE DR UNIT 313, 313, FREDERICK, MD 21701-3025
Document Number	0119660068
Book / Page	011966 / 000068
Instrument Date	Aug 4, 2017
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$239.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2520 WATERSIDE DR #313 FREDERICK MD 217013025, 313, FREDERICK, MD 21701-3025

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 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	$5,981.00 (+27.12%)	$325,000 (+25.48%) Land $90,000 Building $235,000	$325,000 (-) Land $90,000 Building $235,000
2023	$4,705.00	$259,000	$325,000 Land $90,000 Building $235,000

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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