3 Victoria Sq, Frederick, MD 21702 Property Records

Frederick County property record for 3 Victoria Sq, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	4 ba · 1,800 sqft · built 1989
Lot Size	0.039 acres (1,700 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Nov 2011)
Tax Bill	$4,035 (2023)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-151103`

Property Details

APN / Parcel Number

Primary APN	`02-151103`
Alternative APNs	`2151103` `151103`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,800 sqft Total Area
1st Floor Area	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,700 sqft (0.039 acres)
Garage Type	Built-in
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	151103
Old Parcel Number	2151103
Street Address	3 VICTORIA SQ
City	FREDERICK
State	MD
Zip	21702-1109
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	LT 2 SEC 4 PLAT 2 BLK G - 1700 SQ FT WILLOWCRES TOWNHOUSES
Legal Subdivision	WILLOWCREST TWNHSES 02 SE
Legal Block	G
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2003
Census Tract	750508

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

3 Victoria Sq, a townhouse, is owned and occupied by an individual who bought it in November 2011.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Mailing Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit SIGNAL FINANCIAL FCU
Dec 28, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jan 6, 2017	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Last Sale	Nov 8, 2011 · Amount on File
Deed Sale	Nov 8, 2011 · Amount on File
Prior Sale	Feb 4, 2008
Deed Document Number	0000859723
Deed Book / Page	8597 / 23
Record Updated	Jun 7, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	INI TITLE LLC, INTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109

Mortgage

Document Number	0175120257
Date	Sep 15, 2025
Book Page	17512/257

Lender

Name	SIGNAL FINANCIAL FCU
Type	Credit Union
Address	KENSINGTON, MD 20895

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 9, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109
Transaction Type	Mortgage
Record Updated	Jan 10, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109

Mortgage

Document Number	0156110485
Date	Dec 28, 2021
Book Page	15611/485

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Feb 1, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	3 VICTORIA SQ, FREDERICK, MD 21702-1109
Document Number	0116650028
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 VICTORIA SQ FREDERICK MD 217021109, FREDERICK, MD 21702-1109

Mortgage

Document Number	0116650028
Date	Feb 10, 2017
Book Page	011665/000028

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2047

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	$4,035.00 Homeowner's exemption	$238,300	$297,900 Land $65,000 Building $232,900

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

Flood

FEMA maps place 3 Victoria Sq 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

The area around 3 Victoria Sq has no burnable land within ember reach, so its wildfire risk is not rated.

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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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