3509 Ward Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3509 Ward Ln, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,640 sqft · built 2004
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jun 2019)
Tax Bill	$6,810 (2025)
Deeds & Mortgages	Nov 2021 Sale Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-235062`

Property Details

APN / Parcel Number

Primary APN	`07-235062`
Alternative APN	`235062`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,640 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,800 sqft (0.064 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	235062
Street Address	3509 WARD LN
City	FREDERICK
State	MD
Zip	21704-7011
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 9086 SEC. M8A 2,800 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	9086
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1014
Census Tract	752202

Owner

3509 Ward Ln, a townhouse, is owned by an individual who bought it in June 2019.

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	PO BOX 63, FREDERICK, MD 21705-0063
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed, Transfer
Jun 26, 2019	Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2019 · Amount on File
Deed Sale	Jun 26, 2019 · Amount on File
Prior Sale	Jul 29, 2004 · Amount on File
Deed Book / Page	13052 / 261
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 29, 2021
Property Address	3509 WARD LN, FREDERICK, MD 21704-7011
Document Number	0155240074
Book / Page	15524 / 74
Map Reference	MB 73 PG 16
Instrument Date	Sep 1, 2021
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3509 WARD LN, 3509, FREDERICK, MD 21704-7011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3509 WARD LN, FREDERICK, MD 21704-7011

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 26, 2019
Property Address	3509 WARD LN, FREDERICK, MD 21704-7011
Document Number	0130520261
Book / Page	13052 / 0261
Map Reference	MB 73 PL 16
Instrument Date	Jun 21, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
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	3509 WARD LN, FREDERICK, MD 21704-7011

Mortgage

Document Number	130520269
Date	Jun 26, 2019
Instrument	13052/0269

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3509 Ward Ln was $6,810.

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

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
2026		$516,033	$555,300 Land $170,000 Building $385,300
2025	$6,810.00
2023	$5,947.00	$415,067	$437,500 Land $135,000 Building $302,500

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

Flood

FEMA maps place 3509 Ward Ln 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
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

Wildfire risk around 3509 Ward Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 709 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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