3009 Annas Ter, Frederick, MD 21701 Property Records

Frederick County property record for 3009 Annas Ter, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,409 sqft · built 2002
Lot Size	0.062 acres (2,688 sqft)
Owner	2 Individual Names on File
Last Sale	$314,900 (Feb 2017)
Tax Bill	$6,287 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-239884`

Property Details

APN / Parcel Number

Primary APN	`02-239884`
Alternative APNs	`2239884` `239884`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,409 sqft Living Area
1st Floor Area	1,059 sqft
Basement Area	390 sqft
Finished Basement	390 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,688 sqft (0.062 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	239884
Street Address	3009 ANNAS TER
City	FREDERICK
State	MD
Zip	21701-9346
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 255 SECTION 7A PLAT 6-2,688 SQ. FT. MILL ISLAND WORMANS MILL
Legal Subdivision	MILL ISLAND/WOMANS MILL SEC 07
Legal Lot Number	255
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2021
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

3009 Annas Ter, a townhouse, is owned and occupied by two individuals who bought it in February 2017.

Source: Frederick County records, as of August 4, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3009 ANNAS TER, FREDERICK, MD 21701-9346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GO MORTGAGE LLC
Feb 16, 2017	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2017 · Amount on File
Deed Sale	Feb 16, 2017 · Amount on File
Prior Sale	Jan 31, 2003
Deed Document Number	201711672-0298
Deed Book / Page	11672 / 298
Prior Transfer Date	May 17, 2011
Prior Transfer Doc	0083720037
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3009 ANNAS TER, FREDERICK, MD 21701-9346
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CREEKSIDE TITLE, CREEKSIDE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 ANNAS TER, FREDERICK, MD 21701-9346

Mortgage

Document Number	0155470001
Date	Dec 8, 2021
Book Page	15547/1

Lender

Name	GO MORTGAGE LLC
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 16, 2017
Property Address	3009 ANNAS TER, FREDERICK, MD 21701-9346
Document Number	0116720298
Book / Page	11672 / 0298
Map Reference	MB70 PG106
Instrument Date	Feb 15, 2017
Instrument	11672-0298
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 ANNAS TER, FREDERICK, MD 21701-9346

Mortgage

Document Number	116720304
Date	Feb 16, 2017
Instrument	11672-0304

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

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		$401,400 Land $90,000 Building $311,400	$401,400 Land $90,000 Building $311,400
2024	$6,287.00 (+7.25%)
2023	$5,862.00 Homeowner's exemption	$337,133	$401,400 Land $90,000 Building $311,400

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

Flood

FEMA maps place 3009 Annas Ter 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 3009 Annas Ter 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 598 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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