2603 Osprey Way, Frederick, MD 21701 Property Records

Frederick County property record for 2603 Osprey Way, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 1,960 sqft · built 2013
Lot Size	0.027 acres (1,180 sqft)
Owner	Individual Name on File
Last Sale	$344,000 (Jan 2021)
Tax Bill	$5,572 (2023)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-588629`

Property Details

APN / Parcel Number

Primary APN	`02-588629`
Alternative APN	`588629`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,960 sqft Total Area

Exterior

Year Built	Built 2013
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,180 sqft (0.027 acres)
Garage Type	Built-in
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	588629
Street Address	2603 OSPREY WAY
City	FREDERICK
State	MD
Zip	21701-1917
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 100 PHASE 1 PLAT 1,180 SQ FT MARKET SQUARE AT FREDERI
Legal Subdivision	MARKET SQUARE/FREDERICK
Legal Phase	1
Legal Lot Number	100
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3026
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

2603 Osprey Way, a townhouse, is owned and occupied by an individual who bought it in January 2021.

Source: Frederick County records, as of September 25, 2023

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 File
Mailing Address	2603 OSPREY WAY, FREDERICK, MD 21701-1917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 16, 2019	Special Warranty Deed, Transfer · VA Mortgage BLUE RIDGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	0014442266
Deed Book / Page	14442 / 266
Record Updated	Jun 7, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 12, 2021
Property Address	2603 OSPREY WAY, FREDERICK, MD 21701-1917
Document Number	0144420266
Book / Page	14442 / 266
Map Reference	MB 91 PG 21-23
Instrument Date	Dec 21, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2603 OSPREY WAY, FREDERICK, MD 21701-1917

Mortgage

Document Number	0014442272
Date	Jan 12, 2021
Instrument	14442/272

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 16, 2019
Property Address	2603 OSPREY WAY, FREDERICK, MD 21701-1917
Document Number	0131490359
Book / Page	13149 / 0359
Map Reference	MB 91 PG 21-23
Instrument Date	Jul 2, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11654 PLAZA AMERICA DR # DR761, 11654, RESTON, VA 20190-4700

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2603 OSPREY WAY, FREDERICK, MD 21701-1917

Mortgage

Document Number	0131490368
Date	Aug 16, 2019
Instrument	13149/0368

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

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	$5,572.00	$305,100	$340,300 Land $75,000 Building $265,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2603 Osprey Way in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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

The area around 2603 Osprey Way has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Glo Fiber.

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