2620 Mill Race Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2620 Mill Race Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,579 sqft · built 2001
Lot Size	0.085 acres (3,719 sqft)
Owner	2 Individual Names on File
Last Sale	$522,000 (Jun 2023)
Tax Bill	$7,889 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-235331`

Property Details

APN / Parcel Number

Primary APN	`02-235331`
Alternative APNs	`2235331` `235331`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,579 sqft Living Area
1st Floor Area	1,021 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,719 sqft (0.085 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	235331
Street Address	2620 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 278 SEC 7A PL 2 3,719 SQ. FT. MILL ISLAND AT WORMANS MILL
Legal Subdivision	MILLS ISLAND/WORMANS MILL SEC
Legal Lot Number	278
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2009
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

2620 Mill Race Rd, a townhouse, is owned and occupied by two individuals who bought it in June 2023.

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 Record	2 Individual Names on File
Mailing Address	2620 MILL RACE RD, FREDERICK, MD 21701-6803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on File
Deed Sale	Jun 28, 2023 · Amount on File
Prior Sale	Jan 7, 2003 · Amount on File
Deed Book / Page	16499 / 418
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 28, 2023
Property Address	2620 MILL RACE RD, FREDERICK, MD 21701-6803
Document Number	0164990418
Book / Page	16499 / 418
Map Reference	MB 68 PL 190
Instrument Date	Jun 23, 2023
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,305.00
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 by the Entirety
Address	2620 MILL RACE RD, FREDERICK, MD 21701-6803

Mortgage

Document Number	0016499425
Date	Jun 28, 2023
Instrument	16499/425

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2620 Mill Race Rd was $7,889 with a homeowner's exemption.

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		$464,100	$511,900 Land $130,000 Building $381,900
2025	$7,889.00
2023	$6,492.00 (+5.61%) Homeowner's exemption	$372,267 (+10.04%)	$440,200 (+30.12%) Land $90,000 Building $350,200
2022	$6,147.00 Homeowner's exemption	$338,300 Land $80,000 Building $258,300	$338,300 Land $80,000 Building $258,300

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

Flood

FEMA maps place 2620 Mill Race Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2620 Mill Race Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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 163 locations within half a mile, as of December 31, 2025

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