Frederick County property record for 591 Cawley Dr, #1-3D, Frederick, MD 21703
| Property Type | Condominium |
|---|---|
| Details | built 2003 |
| Lot Size | 0.03 acres (1,329 sqft) |
| Owner | Individual Name on File |
| Last Sale | $279,900 (Jan 2026) |
| Tax Bill | $3,844 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-247275 |
| Primary APN | 02-247275 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Condo/Apartment |
| Lot Area | 1,329 sqft |
| Sewer | Connected |
|---|
| Account Number | 247275 |
|---|---|
| Street Address | 591 CAWLEY DR # 1-3D, 1-3D |
| City | FREDERICK |
| State | MD |
| Zip | 21703-5920 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | PND |
| Legal Description | UNIT 1-3D PHASE 1 1,329 SQ. FT. BALLENGER POINTE CONDO |
| Legal Subdivision | BALLONGER POINTE CONDO PH 01 |
| Legal Phase | 1 |
| Legal Lot Number | 1 3D 3D |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 751003 |
591 Cawley Dr, #1-3D is owned and occupied by an individual who bought it in January 2026.
Source: Frederick County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11505 BROWNINGSVILLE RD, IJAMSVILLE, MD 21754-9128 |
| 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.
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 21, 2026 | Deed, Transfer · Conventional Mortgage NFM LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on File |
| Deed Sale | Jan 21, 2026 · Amount on File |
| Prior Sale | Nov 18, 2003 · Amount on File |
| Deed Document Number | 0017691235 |
| Deed Book / Page | 17691 / 235 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 591 CAWLEY DR # 1-3D, 1-3D, FREDERICK, MD 21703-5920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 591 CAWLEY DR 3D, 3D, FREDERICK, MD 21703-5938 |
| Document Number | 0166320264 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 16632/264 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 21, 2026 |
| Property Address | 591 CAWLEY DR # 1-3D, 1-3D, FREDERICK, MD 21703-5920 |
| Document Number | 0176910235 |
| Book / Page | 17691 / 235 |
| Map Reference | MB 75 PG 103-104 |
| Instrument Date | Jan 15, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | BLUE NOTE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,399.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11505 BROWNINGSVILLE RD, IJAMSVILLE, MD 21754-9128 |
| Document Number | 0017691239 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 17691/239 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2025 property tax bill for 591 Cawley Dr, #1-3D was $3,844 with a homeowner's exemption.
Source: Frederick County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,844.00 Homeowner's exemption | $245,000 Land $70,000 Building $175,000 | $245,000 Land $70,000 Building $175,000 |
| 2023 | $3,418.00 Homeowner's exemption | $200,333 | $245,000 Land $70,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 591 Cawley Dr, #1-3D 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 | 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.
The area around 591 Cawley Dr, #1-3D 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 254 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 |
| AT&T Fixed Wireless | 100 / 20 |
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