323 Spring Bank Way, Frederick, MD 21701 Property Records

Frederick County property record for 323 Spring Bank Way, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 2,480 sqft · built 2020
Lot Size	0.033 acres (1,440 sqft)
Owner	Individual Name on File
Tax Bill	$6,574 (2023)
Deeds & Mortgages	Dec 2023 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-595771`

Property Details

APN / Parcel Number

Primary APN	`02-595771`
Alternative APN	`595771`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	2,480 sqft Total Area

Exterior

Year Built	Built 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,440 sqft (0.033 acres)
Garage Type	Built-in
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	595771
Street Address	323 SPRING BANK WAY
City	FREDERICK
State	MD
Zip	21701-3055
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 38 PLAT 4 1,440 SQ FT SPRING BANK
Legal Subdivision	HOA OPEN SP
Legal Lot Number	38
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

323 Spring Bank Way, a townhouse, is owned and occupied by an individual who acquired it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	323 SPRING BANK WAY, FREDERICK, MD 21701-3055
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
Dec 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PATRIOT FCU
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage DRAPER & KRAMER MTG
Nov 6, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Apr 6, 2018 · Amount on File
Last Transfer Date	Nov 6, 2020
Transfer Doc	0142420070
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	323 SPRING BANK WAY, FREDERICK, MD 21701-3055
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0167150500
Date	Dec 28, 2023
Book Page	16715/500

Lender

Name	PATRIOT FCU
Type	Credit Union
Address	CHAMBERSBURG, PA 17201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	72 Months
Due	Dec 25, 2029

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	323 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: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 6, 2020
Property Address	323 SPRING BANK WAY, FREDERICK, MD 21701-3055
Document Number	0142420070
Book / Page	014242 / 000070
Instrument Date	Oct 23, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2020
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TITLE SETTLEMENTS SVC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 SPRING BANK WAY FREDERICK MD 217013055, FREDERICK, MD 21701-3055

Mortgage

Document Number	142420071
Date	Nov 6, 2020
Book Page	014242/000071

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

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	$6,574.00 Homeowner's exemption	$360,800	$372,200 Land $75,000 Building $297,200

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

Flood

FEMA maps place 323 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 323 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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