2520 Waterside Dr, Unit 410, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 410, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	3 ba · 2,950 sqft · built 2002
Lot Size	0.068 acres (2,950 sqft)
Owner	2 Company Names on Record
Last Sale	$805,000 (Jul 2026)
Tax Bill	$7,794 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-243385`

Property Details

APN / Parcel Number

Primary APN	`02-243385`
Alternative APN	`243385`

Interior

Full Baths	3 Baths
Units	69 Units
Building Area	2,950 sqft Gross Area
1st Floor Area	2,950 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	2,950 sqft (0.068 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	243385
Street Address	2520 WATERSIDE DR, 410
City	FREDERICK
State	MD
Zip	21701-3026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 410 PHASE 2 BLDG 2-2,950 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	410
Legal Unit	410
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 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	105 VALENZA LOOP, NORTH VENICE, FL 34275-6659
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed, Transfer UNITED TITLE
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BK
Sep 23, 2020	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR
Feb 2, 2018	Grant Deed, Transfer · Conventional Mortgage MLEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Feb 2, 2018 · Amount on Record
Deed Book / Page	17957 / 126
Prior Transfer Date	Dec 31, 2014
Prior Transfer Doc	0103700126
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 14, 2026
Property Address	2520 WATERSIDE DR, 410, FREDERICK, MD 21701-3026
Document Number	1795000126
Book / Page	17957 / 126
Instrument Date	Jul 9, 2026
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	UNITED TITLE

Transaction

Amount	Amount Recorded
Tax	$813,050.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	105 VALENZA LOOP, NORTH VENICE, FL 34275-6659

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 410, 410, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133890263
Date	Dec 10, 2019
Book Page	13389/0263

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 410, 410, FREDERICK, MD 21701-3026
Document Number	0143350307
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2520 WATERSIDE DR #410 FREDERICK MD 217013026, 410, FREDERICK, MD 21701-3026

Mortgage

Document Number	0143350307
Date	Dec 8, 2020
Book Page	014335/000307

Lender

Name	SANDY SPRING BK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2035

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 410, 410, FREDERICK, MD 21701-3026
Document Number	0143350332
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR #410 FREDERICK MD 217013026, 410, FREDERICK, MD 21701-3026

Mortgage

Document Number	0143350332
Date	Dec 8, 2020
Book Page	014335/000332

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 2, 2018
Property Address	2520 WATERSIDE DR UNIT 410, 410, FREDERICK, MD 21701-3026
Document Number	0122610318
Book / Page	012261 / 000318
Instrument Date	Jan 26, 2018
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Confirmed
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 #410 FREDERICK MD 217013026, 410, FREDERICK, MD 21701-3026

Mortgage

Document Number	122610324
Date	Feb 2, 2018
Book Page	012261/000324

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2033

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		$628,000 (+6.08%)	$700,000 (+18.24%) Land $150,000 Building $550,000
2025	$7,794.00 (+4.88%)	$592,000 (+32.34%) Land $100,000 Building $492,000	$592,000 (-) Land $100,000 Building $492,000
2024	$7,431.00 (+7.32%)
2023	$6,924.00 Homeowner's exemption	$447,333	$592,000 Land $100,000 Building $492,000

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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