609 Cawley Dr, Frederick, MD 21703 Property Records

Frederick County property record for 609 Cawley Dr, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,826 sqft · built 2005
Lot Size	0.029 acres (1,280 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jan 2019)
Tax Bill	$4,977 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-257327`

Property Details

APN / Parcel Number

Primary APN	`02-257327`
Alternative APN	`257327`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,826 sqft Living Area
1st Floor Area	634 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,280 sqft (0.029 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	257327
Street Address	609 CAWLEY DR
City	FREDERICK
State	MD
Zip	21703-4563
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LOT 43 PLAT 6 1,280 SQ. FT. BALLENGER CREEK CNTR PND
Legal Subdivision	BALLENGER CREEK
Legal Lot Number	43
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2006
Census Tract	751003

Owner

Source: Frederick County records, as of August 7, 2026

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	609 CAWLEY DR, FREDERICK, MD 21703-4563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Prior Sale	Jan 27, 2006 · Amount on Record
Deed Book / Page	12813 / 165
Record Updated	Oct 29, 2026

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 25, 2019
Property Address	609 CAWLEY DR, FREDERICK, MD 21703-4563
Document Number	0128130165
Book / Page	12813 / 0165
Map Reference	MB 78 PG 24
Instrument Date	Jan 10, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE OF MARYLAND IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 CAWLEY DR, FREDERICK, MD 21703-4563

Mortgage

Document Number	0012813171
Date	Jan 25, 2019
Instrument	12813/171

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

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

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
2026		$318,733 (+26.3%)	$360,800 (+21.2%) Land $120,000 Building $240,800
2025	$4,977.00 (+12.2%)
2023	$4,436.00 Homeowner's exemption	$252,367	$297,700 Land $90,000 Building $207,700

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
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.

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	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

Violations Reported to EPA

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.

Internet Providers

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