2520 Waterside Dr, Unit 408, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 408, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,691 sqft · built 2002
Lot Size	0.039 acres (1,691 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Nov 2020)
Tax Bill	$6,286 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-243369`

Property Details

APN / Parcel Number

Primary APN	`02-243369`
Alternative APN	`243369`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	69 Units
Stories	2 Stories
Building Area	1,691 sqft Gross Area
1st Floor Area	1,691 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	1,691 sqft (0.039 acres)
Garage Type	Detached
Garage Area	440 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	243369
Street Address	2520 WATERSIDE DR, 408
City	FREDERICK
State	MD
Zip	21701-3026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 408 PHASE 2 BLDG 2-1,691 SQ. FT. WORMANS MILL
Legal Subdivision	PARK PLACE/WORMANS MILL PH 02
Legal Phase	2
Legal Lot Number	408
Legal Unit	408
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2520 WATERSIDE DR, 408, FREDERICK, MD 21701-3026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 29, 2020	Deed of Trust, Mortgage · VA Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Oct 14, 2011 · Amount on Record
Deed Book / Page	14281 / 294
Prior Transfer Date	Jul 18, 2006
Prior Transfer Doc	0061300475
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 408, 408, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117870271
Date	Apr 27, 2017
Book Page	11787/0271
Instrument	11787-0271

Lender

Name	PNC BANK NA
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 408, 408, FREDERICK, MD 21701-3026
Document Number	0142810300
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR #408 FREDERICK MD 217013026, 408, FREDERICK, MD 21701-3026

Mortgage

Document Number	0142810300
Date	Nov 19, 2020
Book Page	014281/000300

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	BETHESDA, MD 20814

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

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		$373,333 (+8.21%)	$430,000 (+24.64%) Land $125,000 Building $305,000
2025	$6,286.00 (+4.54%) Homeowner's exemption	$345,000 (+10.7%) Land $100,000 Building $245,000	$345,000 (-) Land $100,000 Building $245,000
2024	$6,013.00 (+7.01%)
2023	$5,619.00 Homeowner's exemption	$311,667	$345,000 Land $100,000 Building $245,000

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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