2520 Waterside Dr, Unit 412, Frederick, MD 21701 Property Records

Frederick County property record for 2520 Waterside Dr, Unit 412, Frederick, MD 21701

Property Summary

Property Type	Condominium
Details	2 ba · 1,410 sqft · built 2002
Lot Size	0.032 acres (1,409 sqft)
Owner	Individual Name on Record
Last Sale	$223,000 (Sep 2015)
Tax Bill	$4,411 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-243407`

Property Details

APN / Parcel Number

Primary APN	`02-243407`
Alternative APN	`243407`

Interior

Full Baths	2 Baths
Building Area	1,410 sqft Total Area

Exterior

Year Built	Built 2002
Architectural Style	Condo/Apartment
Lot Area	1,409 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	243407
Street Address	2520 WATERSIDE DR UNIT 412, 412
City	FREDERICK
State	MD
Zip	21701-3026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PND
Legal Description	UNIT 412 PHASE 2 BLDG 2-1,409 SQ. FT. WORMAN'S MILL
Legal Subdivision	WORMANS MILL
Legal Phase	2
Legal Lot Number	412
Legal Unit	412
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 412, 412, FREDERICK, MD 21701-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2015 · Amount on Record
Deed Sale	Sep 9, 2015 · Amount on Record
Prior Sale	Apr 10, 2002 · Amount on Record
Deed Document Number	0010746195
Deed Book / Page	10746 / 195
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 412, 412, FREDERICK, MD 21701-3026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157570183
Date	Mar 1, 2022
Book Page	15757/183

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2520 WATERSIDE DR UNIT 412, 412, FREDERICK, MD 21701-3026
Document Number	0119190483
Book / Page	011919 / 000483
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 WATERSIDE DR FREDERICK MD 217013020, FREDERICK, MD 21701-3020

Mortgage

Document Number	0119190483
Date	Jul 12, 2017
Book Page	011919/000483

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 11, 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	$4,411.00	$242,667	$304,000 Land $90,000 Building $214,000

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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