2820 Heartland Cir, Frederick, MD 21702 Property Records

Frederick County property record for 2820 Heartland Cir, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 3,399 sqft · built 2023
Lot Size	0.138 acres (6,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,221 (Aug 2023)
Tax Bill	$9,722 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-602437`

Property Details

APN / Parcel Number

Primary APN	`02-602437`
Alternative APN	`602437`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,399 sqft Living Area
Gross Area	3,799 sqft
1st Floor Area	2,319 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,014 sqft (0.138 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	602437
Street Address	2820 HEARTLAND CIR
City	FREDERICK
State	MD
Zip	21702-1659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 398 SECTION 2 PL 6,014 SQ FT KELLERTON
Legal Subdivision	PLAT KELLERTON LAND BAY B SECTION 2
Legal Lot Number	398
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	4
Census Block	4001
Census Tract	751202

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 June 4, 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	2820 HEARTLAND CIR, FREDERICK, MD 21702-1659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jan 25, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Deed Book / Page	16567 / 150
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 21, 2023
Property Address	2820 HEARTLAND CIR, FREDERICK, MD 21702-1659
Document Number	0165670150
Book / Page	16567 / 150
Map Reference	MB 105 PG 104&105
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	PENN TRANSFER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,613.05
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	2820 HEARTLAND CIR, FREDERICK, MD 21702-1659

Mortgage

Document Number	0016567157
Date	Aug 21, 2023
Instrument	16567/157

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 25, 2023
Property Address	2820 HEARTLAND CIR, FREDERICK, MD 21702-1659
Document Number	0163080253
Book / Page	16308 / 253
Map Reference	MB 105 PG 104&105
Instrument Date	Jan 19, 2023
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Amount	Amount Recorded
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 GRANITE RUN DR STE 100, 100, LANCASTER, PA 17601-6813

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$9,722.00 (+549%)	$527,800 (+533.36%) Land $90,000 Building $437,800	$527,800 (+486.44%) Land $90,000 Building $437,800
2023	$1,498.00	$83,333	$90,000 Land $90,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	7 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2020 · other causes

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

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

May also be available: Glo Fiber, Verizon.

Nearby Properties on Heartland Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures