2820 Shearwater Ln, Frederick, MD 21701 Property Records

Frederick County property record for 2820 Shearwater Ln, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 2,156 sqft · built 2015
Lot Size	0.05 acres (2,219 sqft)
Owner	Individual Name on Record
Last Sale	$368,000 (Jun 2019)
Tax Bill	$6,826 (2023)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-590479`

Property Details

APN / Parcel Number

Primary APN	`02-590479`
Alternative APN	`590479`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,156 sqft Total Area

Exterior

Year Built	Built 2015
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,219 sqft (0.05 acres)
Garage Type	Built-in
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	590479
Street Address	2820 SHEARWATER LN
City	FREDERICK
State	MD
Zip	21701-1976
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 406 SECTION 3B 2,219 SQ FT MARKET SQUARE AT FREDERI
Legal Subdivision	MARKET SQUARE/FREDERICK SEC 3B
Legal Lot Number	406
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3008
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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 12, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 13, 2019	Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2019 · Amount on Record
Deed Sale	Jun 13, 2019 · Amount on Record
Prior Sale	Dec 29, 2015 · Amount on Record
Deed Document Number	0013024385
Deed Book / Page	13024 / 385
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976

Mortgage

Document Number	0140050292
Date	Aug 21, 2020
Book Page	14005/292

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150800237
Date	Jul 12, 2021
Book Page	15080/237

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976
Document Number	0135750166
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2820 SHEARWATER LN FREDERICK MD 217011976, FREDERICK, MD 21701-1976

Mortgage

Document Number	0135750166
Date	Mar 9, 2020
Book Page	013575/000166

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 13, 2019
Property Address	2820 SHEARWATER LN, FREDERICK, MD 21701-1976
Document Number	0130240385
Book / Page	13024 / 0385
Map Reference	MB 93 PL 166&167
Instrument Date	Apr 30, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5089 FLEMING RD, 5089, MOUNT AIRY, MD 21771-8714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	476 CALVINS DR, SYKESVILLE, MD 21784-8640

Mortgage

Document Number	0130240393
Date	Jun 13, 2019
Instrument	13024/0393

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 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	$6,826.00	$374,867	$418,600 Land $75,000 Building $343,600

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.

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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