Frederick County property record for 2539 Waterside Dr, Frederick, MD 21701 · Last verified July 2026
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,636 sqft Living Area |
| Lot Size | 3,428 sqft (0.079 acres) |
| Garage | Detached, 400 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $531,100 (2026) |
| Tax Bill | $8,349.00 (2025) |
| Primary APN | 02-218356 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,636 sqft Living Area |
| 1st Floor | 998 sqft 1st Floor |
| Basement Area | 730 sqft Basement |
| Finished Basement | 730 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Townhouse Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,428 sqft (0.079 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 400 sqft Garage |
| Deck Area | 99 sqft Deck |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Account Number | 218356 |
|---|---|
| Street Address | 2539 WATERSIDE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21701-3211 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 67 SEC 3 PLAT 8 BLK S-3,428 SQ. FT. WORMANS MILL |
| Legal Subdivision | WORMANS MILL |
| Legal Block | S |
| Legal Lot Number | 67 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 2, FREDERICK |
| Census Blockgroup | 4 |
| Census Block | 4022 |
| Census Tract | 750802 |
Source: Frederick County records · APN 02-218356
Assessment roll updated August 4, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 03, 2026 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Apr 03, 2026 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Jul 26, 2018 | Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 03, 2026 · Amount on Record |
| Deed Sale | Apr 03, 2026 · Amount on Record |
| Prior Sale | Jul 26, 2018 · Amount on Record |
| Deed Book / Page | 17799 / 427 |
| Prior Transfer Date | Mar 25, 2011 |
| Prior Transfer Doc | 0083190312 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 0153450048 |
|---|---|
| Date | Oct 04, 2021 |
| Book Page | 15345/48 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Jul 01, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 03, 2026 |
| Property Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 1779000427 |
| Book / Page | 17799 / 427 |
| Instrument Date | Mar 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536,411.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 1779000435, |
|---|---|
| Date | Apr 03, 2026 |
| Book Page | 17799/435 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 03, 2026 |
| Property Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 0177990427 |
| Book / Page | 17799 / 427 |
| Instrument Date | Mar 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536,411.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 1779000435, |
|---|---|
| Date | Apr 03, 2026 |
| Book Page | 17799/435 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 26, 2018 |
| Property Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 0125360301 |
| Book / Page | 12536 / 0301 |
| Map Reference | MB62 PL197 |
| Instrument Date | Jul 10, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | COUNSELORS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,002.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 2539 WATERSIDE DR, FREDERICK, MD 21701-3211 |
| Document Number | 0012536310 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 12536/310 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,349.00 (+7.87%) | $452,600 (+18.34%) Land $90,000 Building $362,600 | $452,600 (-) Land $90,000 Building $362,600 |
| 2024 | $7,740.00 (+11.16%) | ||
| 2023 | $6,963.00 | $382,467 | $452,600 Land $90,000 Building $362,600 |
2539 Waterside Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release
| 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.
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