2520 Waterside Dr, Unit 404, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 404, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	3 ba · 1,350 sqft · built 2002
Lot Size	0.031 acres (1,350 sqft)
Owner	Individual Name on Record
Last Sale	$198,000 (Oct 2014)
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-243326`

Property Details

APN / Parcel Number

Primary APN	`02-243326`
Alternative APN	`243326`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Units	69 Units
Stories	2 Stories
Building Area	1,350 sqft Gross Area
1st Floor Area	1,350 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	1,350 sqft (0.031 acres)
Garage Type	Detached
Garage Area	440 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	243326
Street Address	2520 WATERSIDE DR, 404
City	FREDERICK
State	MD
Zip	21701-3026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 404 PHASE 2 BLDG 2-1,350 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	404
Legal Unit	404
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 20, 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, 404, FREDERICK, MD 21701-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Feb 1, 2018	Deed of Trust, Mortgage · VA Mortgage GEORGE MASON MORTGAGE LLC
Aug 30, 2019	Deed of Trust, Mortgage · VA Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2014 · Amount on Record
Deed Sale	Oct 8, 2014 · Amount on Record
Prior Sale	Dec 10, 2009 · Amount on Record
Deed Book / Page	10238 / 273
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2026
Property Address	2520 WATERSIDE DR, 404, FREDERICK, MD 21701-3026
Document Number	1780000067
Book / Page	17801 / 67
Instrument Date	Mar 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR, 404, FREDERICK, MD 21701-3026

Mortgage

Document Number	1780000067,
Date	Apr 6, 2026
Book Page	17801/67

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2056

Interest

Rate	5.98%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 404, 404, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122590408
Date	Feb 1, 2018
Book Page	12259/0408
Instrument	12259-0408

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 404, 404, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131820453
Date	Aug 30, 2019
Book Page	13182/0453

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$3,435.00 (-12.17%) Homeowner's exemption	$282,000 (+27.79%) Land $90,000 Building $192,000	$282,000 (-) Land $90,000 Building $192,000
2024	$3,911.00 (+19.82%)
2023	$3,264.00 Homeowner's exemption	$220,667	$282,000 Land $90,000 Building $192,000

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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