321 Spring Bank Way, Frederick, MD 21701 Property Records

Frederick County property record for 321 Spring Bank Way, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,400 sqft · built 2020
Lot Size	0.033 acres (1,440 sqft)
Owner	Individual Name on File
Last Sale	$340,758 (Nov 2020)
Tax Bill	$7,305 (2025)
Deeds & Mortgages	Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-595770`

Property Details

APN / Parcel Number

Primary APN	`02-595770`
Alternative APN	`595770`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,440 sqft (0.033 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	595770
Street Address	321 SPRING BANK WAY
City	FREDERICK
State	MD
Zip	21701-3055
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 37 PLAT 4 1,440 SQ FT SPRING BANK
Legal Subdivision	PALT 1 SPRING BANK
Legal Lot Number	37
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	Spring 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.

Owner

321 Spring Bank Way, a townhouse, is owned and occupied by an individual who acquired it in February 2025.

Source: Frederick County records, as of August 7, 2026

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

Owner of Record	Individual Name on File
Mailing Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
May 10, 2022	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage DRAPER & KRAMER MTG
Nov 6, 2020	Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Apr 6, 2018 · Amount on File
Deed Book / Page	14242 / 28
Last Transfer Date	Feb 14, 2025
Transfer Doc	1725000059
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 10, 2022
Property Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055
Document Number	0159130413
Book / Page	15913 / 413
Map Reference	MB 99 PG 168
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PINNACLE SETTLEMENT SERVICES, PINNACLE SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,107.50
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 in Severalty
Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055

Mortgage

Document Number	0015913420
Date	May 10, 2022
Instrument	15913/420

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055
Document Number	0142830173
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 SPRING BANK WAY FREDERICK MD 217013055, FREDERICK, MD 21701-3055

Mortgage

Document Number	0142830173
Date	Nov 19, 2020
Book Page	014283/000173

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

November 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 6, 2020
Property Address	321 SPRING BANK WAY, FREDERICK, MD 21701-3055
Document Number	0142420028
Book / Page	14242 / 28
Map Reference	MB 99 PG 168
Instrument Date	Oct 23, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022
Title Company	KEYSTONE TTL SETMNT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,703.79
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	321 SPRING BANK WAY, FREDERICK, MD 21701-3055

Mortgage

Document Number	0001424237
Date	Nov 6, 2020
Instrument	14242/37

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 321 Spring Bank Way was $7,305, up 6.1% from the year before.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$412,267 (+4.27%)	$446,000 (+12.8%) Land $110,000 Building $336,000
2025	$7,305.00 (+6.13%)	$395,400 Land $75,000 Building $320,400	$395,400 Land $75,000 Building $320,400
2024	$6,883.00 (+9.08%)
2023	$6,310.00	$346,133	$395,400 Land $75,000 Building $320,400

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

Flood

FEMA maps place 321 Spring Bank Way in Zone X, an area of minimal flood risk.

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

The area around 321 Spring Bank Way 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 471 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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