Frederick County property record for 321 Spring Bank Way, Frederick, MD 21701
| 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 |
| Primary APN | 02-595770 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| 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 |
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.
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 |
| 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 |
| 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 |
| 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 |
| Name | Verified Name |
|---|
| 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 |
| 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 |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 321 SPRING BANK WAY, FREDERICK, MD 21701-3055 |
| Document Number | 0015913420 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 15913/420 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| 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 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 329 SPRING BANK WAY FREDERICK MD 217013055, FREDERICK, MD 21701-3055 |
| Document Number | 0142830173 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 014283/000173 |
| Name | DRAPER & KRAMER MTG |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2050 |
| 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 |
| 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 |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 321 SPRING BANK WAY, FREDERICK, MD 21701-3055 |
| Document Number | 0001424237 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 14242/37 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| 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.
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.
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.
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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