3282 Pine Needle Cir, Unit 304, Frederick, MD 21704 Property Records

Frederick County property record for 3282 Pine Needle Cir, Unit 304, Frederick, MD 21704

Property Summary

Property Type	Condominium
Details	built 2022
Lot Size	0.034 acres (1,517 sqft)
Owner	Individual Name on Record
Last Sale	$349,080 (Aug 2021)
Tax Bill	$4,772 (2023)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-602699`

Property Details

APN / Parcel Number

Primary APN	`07-602699`
Alternative APN	`602699`

Exterior

Year Built	Built 2022
Lot Area	1,517 sqft (0.034 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	602699
Street Address	3282 PINE NEEDLE CIR UNIT 304, 304
City	FREDERICK
State	MD
Zip	21704-7960
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 304 PHASE 1002 1,517 SQ FT THE WOODLANDS AT URBANA
Legal Phase	1,1002
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3011
Census Tract	752206

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3282 PINE NEEDLE CIR UNIT 304, 304, FREDERICK, MD 21704-7960
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2024	Deed of Trust, Mortgage · Line of Credit O A S FEDERAL CREDIT UNION
Aug 10, 2021	Deed, Transfer · Conventional Mortgage OAS STAFF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	0015178388
Deed Book / Page	15178 / 388
Record Updated	Jun 7, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3282 PINE NEEDLE CIR UNIT 304, 304, FREDERICK, MD 21704-7960
Transaction Type	Mortgage
Record Updated	May 2, 2024
Title Company	ATG TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0168320453
Date	Apr 19, 2024
Book Page	16832/453

Lender

Name	O A S FEDERAL CREDIT UNION
Address	WASHINGTON, DC 20006

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 18, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 10, 2021
Property Address	3282 PINE NEEDLE CIR UNIT 304, 304, FREDERICK, MD 21704-7960
Document Number	0151780388
Book / Page	15178 / 388
Map Reference	MB 105 PG 148-152
Instrument Date	Jun 29, 2021
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FH TITLE INSURANCE AGENCY LLC, CU TITLE INSURANCE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$872.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4700 CORRIDOR PL, 4700, BELTSVILLE, MD 20705-1163

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3282 PINE NEEDLE CIR UNIT 304, 304, FREDERICK, MD 21704-7960

Mortgage

Document Number	15178396
Date	Aug 10, 2021
Instrument	15178/396

Lender

Name	OAS STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	7.99%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,772.00 Homeowner's exemption	$319,333	$330,000 Land $105,000 Building $225,000

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

Flood

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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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