2604 Mill Race Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2604 Mill Race Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,499 sqft · built 2001
Lot Size	0.051 acres (2,220 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,000 (Jul 2022)
Tax Bill	$7,337 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-235137`

Property Details

APN / Parcel Number

Primary APN	`02-235137`
Alternative APNs	`2235137` `235137`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,499 sqft Living Area
1st Floor Area	899 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,220 sqft (0.051 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	300 sqft
Balcony Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	235137
Street Address	2604 MILL RACE RD
City	FREDERICK
State	MD
Zip	21701-6803
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 232 SEC 7A PL 2 2,220 SQ. FT. MILL ISLAND AT WORMANS MILL
Legal Subdivision	MILL ISLAND/WORMANS MILL
Legal Lot Number	232
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2007
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 7, 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 Record
Mailing Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jul 21, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 14, 2020	Quit Claim Deed, Transfer EMBRACE HM LOANS
Oct 10, 2017	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Oct 10, 2017 · Amount on Record
Deed Book / Page	16043 / 217
Prior Transfer Date	Apr 17, 2020
Prior Transfer Doc	0137340330
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151130001
Date	Jul 22, 2021
Book Page	15113/1

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 21, 2022
Property Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803
Document Number	0160430217
Book / Page	16043 / 217
Map Reference	MB 68 PL 190
Instrument Date	Jul 15, 2022
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803

Mortgage

Document Number	0016043223
Date	Jul 21, 2022
Instrument	16043/223

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	May 14, 2020
Property Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803
Document Number	0137340330
Book / Page	013734 / 000330
Instrument Date	Apr 17, 2020
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 MILL RACE RD FREDERICK MD 217016803, FREDERICK, MD 21701-6803

Mortgage

Document Number	137340336
Date	May 14, 2020
Book Page	013734/000336

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2017
Property Address	2604 MILL RACE RD, FREDERICK, MD 21701-6803
Document Number	0120680451
Book / Page	012068 / 000451
Instrument Date	Sep 29, 2017
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 MILL RACE RD FREDERICK MD 217016803, FREDERICK, MD 21701-6803

Mortgage

Document Number	120680458
Date	Oct 10, 2017
Book Page	012068/000458

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2047

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		$465,833 (+4.17%)	$503,100 (+12.5%) Land $130,000 Building $373,100
2025	$7,337.00 (+4.84%) Homeowner's exemption	$447,200 (+24.89%) Land $90,000 Building $357,200	$447,200 (-) Land $90,000 Building $357,200
2024	$6,998.00 (+7.27%)
2023	$6,524.00	$358,067	$447,200 Land $90,000 Building $357,200

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 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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