5546 Hidden Waters Ln, Frederick, MD 21703 Property Records

Frederick County property record for 5546 Hidden Waters Ln, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	4 ba · 2,018 sqft · built 2000
Lot Size	0.045 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$294,500 (Mar 2005)
Tax Bill	$3,586 (2023)
Deeds & Mortgages	Jun 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28-581602`

Property Details

APN / Parcel Number

Primary APN	`28-581602`
Alternative APN	`581602`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,018 sqft Total Area
1st Floor Area	828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.045 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	581602
Street Address	5546 HIDDEN WATERS LN
City	FREDERICK
State	MD
Zip	21703-6803
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LOT 5 PHASE 1 2000 SQ FT WESTVIEW PARK
Legal Subdivision	WESTVIEW PARK
Legal Phase	1
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1006
Census Tract	751003

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
Mailing Address	5546 HIDDEN WATERS LN, FREDERICK, MD 21703-6803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2005 · Amount on Record
Deed Sale	Mar 15, 2005 · Amount on Record
Prior Sale	Feb 23, 2001 · Amount on Record
Deed Document Number	051780
Deed Book / Page	5192 / 16
Record Updated	Jun 7, 2026

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	5546 HIDDEN WATERS LN, FREDERICK, MD 21703-6803
Document Number	0130900035
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5546 HIDDEN WATERS LN FREDERICK MD 217036803, FREDERICK, MD 21703-6803

Mortgage

Document Number	0130900035
Date	Jul 17, 2019
Book Page	013090/000035

Lender

Name	SPECIALIZED LN SERVICING
Type	Funding / Finance Company
Address	HIGHLANDS RANCH, CO 80129

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	204 Months
Due	Jul 16, 2036

Interest

Rate	4.12%

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	$3,586.00 Homeowner's exemption	$307,967	$357,300 Land $80,000 Building $277,300

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Sep 2015 · rainfall accumulation

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	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.

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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20