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304 Spring Bank Way, Frederick, MD 21701 Property Records

Frederick County property record for 304 Spring Bank Way, Frederick, MD 21701 · Last verified July 2026

Property Summary

Property TypeTownhouse
Details3.5 ba · 2,400 sqft · built 2021
Lot Size0.033 acres (1,420 sqft)
OwnerIndividual Name on File
Last Sale$359,453 (Mar 2021)
Tax Bill$6,606 (2025)
Deeds & MortgagesOct 2025 Line of Credit
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-595742

Property Details

APN / Parcel Number

Primary APN02-595742
Alternative APN
  • 595742

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,400 sqft Living Area
Gross Area2,800 sqft
1st Floor Area800 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleTownhouse
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area1,420 sqft (0.033 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area16 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number595742
Street Address304 SPRING BANK WAY
CityFREDERICK
StateMD
Zip21701-3054
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 24 PLAT 1 1,420 SQ FT SPRING BANK
Legal SubdivisionPALT 1 SPRING BANK
Legal Lot Number24
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group3
Census Block3018
Census Tract750802

Owner

Source: Frederick County records · APN 02-595742

Assessment roll updated August 4, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address304 SPRING BANK WAY, FREDERICK, MD 21701-3054
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 02, 2025Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Mar 02, 2021Deed, Subdivision Related Transfer · VA Mortgage
DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 02, 2021 · Amount on Record
Deed SaleMar 02, 2021 · Amount on Record
Prior SaleApr 06, 2018 · Amount on Record
Deed Book / Page14611 / 152
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address304 SPRING BANK WAY, FREDERICK, MD 21701-3054
Transaction TypeMortgage
Record UpdatedOct 21, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address304 SPRING BANK WAY, FREDERICK, MD 21701-3054

Mortgage

Document Number0175400293
DateOct 02, 2025
Book Page17540/293
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueOct 01, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateMar 02, 2021
Property Address304 SPRING BANK WAY, FREDERICK, MD 21701-3054
Document Number0146110152
Book / Page14611 / 152
Map ReferenceMB 99 PG 167
Instrument DateFeb 08, 2021
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 16, 2022
Title CompanyKEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL SETMNT SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$898.63
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address304 SPRING BANK WAY, FREDERICK, MD 21701-3054

Mortgage

Document Number0014611162
DateMar 02, 2021
Instrument14611/162
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,606.00 (+12.04%) Homeowner's exemption$379,900 (+14.62%) Land $75,000 Building $304,900$379,900 (-) Land $75,000 Building $304,900
2023$5,896.00 Homeowner's exemption$331,433$379,900 Land $75,000 Building $304,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217508023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually ListedSpring Bank
listed 1984 · 5 contributing resources · NRIS 84001772

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 471 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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