2705 Osprey Way, Frederick, MD 21701 Property Records

Frederick County property record for 2705 Osprey Way, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,400 sqft · built 2014
Lot Size	0.026 acres (1,150 sqft)
Owner	Individual Name on Record
Last Sale	$283,000 (Mar 2016)
Tax Bill	$6,692 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-590354`

Property Details

APN / Parcel Number

Primary APN	`02-590354`
Alternative APN	`590354`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	800 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,150 sqft (0.026 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Deck Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	590354
Street Address	2705 OSPREY WAY
City	FREDERICK
State	MD
Zip	21701-1920
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 150 SECTION 3A 1,150 SQ FT MARKET SQUARE AT FREDERI
Legal Subdivision	MARKET SQUARE/FREDERICK SEC 3A
Legal Lot Number	150
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3017
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 October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2705 OSPREY WAY, FREDERICK, MD 21701-1920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2016 · Amount on Record
Deed Sale	Mar 2, 2016 · Amount on Record
Prior Sale	Jun 17, 2014 · Amount on Record
Deed Book / Page	11015 / 175
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2705 OSPREY WAY, FREDERICK, MD 21701-1920
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 OSPREY WAY, FREDERICK, MD 21701-1920

Mortgage

Document Number	0160770309
Date	Aug 10, 2022
Book Page	16077/309

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 7, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2705 OSPREY WAY, FREDERICK, MD 21701-1920
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 OSPREY WAY, FREDERICK, MD 21701-1920

Mortgage

Document Number	0156220359
Date	Dec 30, 2021
Book Page	15622/359

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

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		$382,800 (+17.66%)	$424,800 (+17.41%) Land $110,000 Building $314,800
2025	$6,692.00 (+12.74%)
2023	$5,936.00	$325,333	$361,800 Land $75,000 Building $286,800

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
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

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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