2520 Waterside Dr, Unit 402, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 402, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,977 sqft · built 2002
Lot Size	0.045 acres (1,977 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Feb 2018)
Tax Bill	$6,278 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-243296`

Property Details

APN / Parcel Number

Primary APN	`02-243296`
Alternative APN	`243296`

Interior

Full Baths	2 Baths
Building Area	1,977 sqft Total Area

Exterior

Year Built	Built 2002
Architectural Style	Condo/Apartment
Lot Area	1,977 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	243296
Street Address	2520 WATERSIDE DR UNIT 402, 402
City	FREDERICK
State	MD
Zip	21701-3026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 402 PHASE 2 BLDG 2-1,977 SQ. FT. WORMAN'S MILL
Legal Subdivision	PARK PLACE/WORMANS MILL PH 02
Legal Phase	2
Legal Lot Number	402
Legal Unit	402
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 402, 402, FREDERICK, MD 21701-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AEROSPACE FCU
Feb 2, 2018	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
Jan 6, 2017	Grant Deed, Transfer · Conventional Mortgage MLEND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Jan 6, 2017 · Amount on Record
Deed Document Number	0012261343
Deed Book / Page	12261 / 343
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 402, 402, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR 402, 402, FREDERICK, MD 21701-3026

Mortgage

Document Number	0154490413
Date	Oct 29, 2021
Book Page	15449/413

Lender

Name	AEROSPACE FCU
Type	Credit Union
Address	EL SEGUNDO, CA 90245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 2, 2018
Property Address	2520 WATERSIDE DR UNIT 402, 402, FREDERICK, MD 21701-3026
Document Number	0122610343
Book / Page	12261 / 0343
Map Reference	MB72 PG44-50
Instrument Date	Jan 26, 2018
Instrument	12261-0343
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,188.00
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
Address	2520 WATERSIDE DR UNIT 402, 402, FREDERICK, MD 21701-3026

Mortgage

Document Number	122610350
Date	Feb 2, 2018
Instrument	12261-0350

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 6, 2017
Property Address	2520 WATERSIDE DR UNIT 402, 402, FREDERICK, MD 21701-3026
Document Number	0115990173
Book / Page	011599 / 000173
Instrument Date	Dec 22, 2016
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	FORWARD SETTLEMENT SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.90
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 FREDERICK MD 217013020, FREDERICK, MD 21701-3020

Mortgage

Document Number	115990180
Date	Jan 6, 2017
Book Page	011599/000180

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2032

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	$6,278.00 Homeowner's exemption	$346,667	$380,000 Land $100,000 Building $280,000

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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