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2603 Mill Race Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2603 Mill Race Rd, Frederick, MD 21701

Property Summary

Property TypeTownhouse
Details3.5 ba · 3,851 sqft · built 2004
Lot Size0.117 acres (5,108 sqft)
Owner2 Individual Names on Record
Last Sale$450,000 (Feb 2020)
Tax Bill$7,751 (2025)
Deeds & MortgagesFeb 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-234963

Property Details

APN / Parcel Number

Primary APN02-234963
Alternative APNs
  • 2234963
  • 234963

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,851 sqft Living Area
Gross Area4,271 sqft
1st Floor Area1,825 sqft
Basement Area1,000 sqft
Finished Basement1,000 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area5,108 sqft (0.117 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area168 sqft
Deck Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number234963
Street Address2603 MILL RACE RD
CityFREDERICK
StateMD
Zip21701-6805
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePND
Legal DescriptionLOT 209 SEC 7A PL 2 5,108 SQ. FT. MILL ISLAND AT WORMANS MILL
Legal SubdivisionISLAND AT WORMANS MILL
Legal Lot Number209
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2006
Census Tract750802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually ListedOld 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 Record2 Individual Names on Record
Mailing Address2603 MILL RACE RD, FREDERICK, MD 21701-6805
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 27, 2020 · Amount on Record
Deed SaleFeb 27, 2020 · Amount on Record
Prior SaleJan 28, 2005 · Amount on Record
Deed Book / Page13555 / 26
Record UpdatedOct 29, 2026

February 2020: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateFeb 27, 2020
Property Address2603 MILL RACE RD, FREDERICK, MD 21701-6805
Document Number0135550026
Book / Page13555 / 26
Map ReferenceMB 68 PL 190
Instrument DateFeb 11, 2020
Transaction TypeTransfer
Record UpdatedAug 11, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2603 MILL RACE RD, FREDERICK, MD 21701-6805

Mortgage

Document Number0135550032
DateFeb 27, 2020
Instrument13555/0032
Lender
NameADVISORS MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$574,767 (+28.8%)$627,700 (+14.48%) Land $140,000 Building $487,700
2025$7,751.00 (-4.41%)
2023$8,109.00$446,233$548,300 Land $90,000 Building $458,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 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 RiskLow
lower than 96% of the US · lower than 92% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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