610 Cawley Dr, Frederick, MD 21703 Property Records

Frederick County property record for 610 Cawley Dr, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,850 sqft · built 2005
Lot Size	0.048 acres (2,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Dec 2010)
Tax Bill	$5,810 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-257572`

Property Details

APN / Parcel Number

Primary APN	`02-257572`
Alternative APN	`257572`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	626 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,080 sqft (0.048 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	257572
Street Address	610 CAWLEY DR
City	FREDERICK
State	MD
Zip	21703-4564
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LOT 134 PLAT 6 2,080 SQ. FT. BALLENGER CREEK CNTR PND
Legal Subdivision	BALLENGER CREEK
Legal Lot Number	134
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	610 CAWLEY DR, FREDERICK, MD 21703-4564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2010 · Amount on Record
Deed Sale	Dec 7, 2010 · Amount on Record
Prior Sale	Mar 3, 2006 · Amount on Record
Deed Document Number	20105896
Deed Book / Page	8131 / 439
Last Transfer Date	Oct 26, 2020
Transfer Doc	0144480063
Record Updated	Oct 29, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jan 13, 2021
Property Address	610 CAWLEY DR, FREDERICK, MD 21703-4564
Document Number	0144480063
Book / Page	14448 / 63
Map Reference	MB 78 PG 124
Instrument Date	Oct 26, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MIDDLETOWN VALLEY T&E LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	1444868
Date	Jan 13, 2021
Instrument	14448/68

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2050

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		$335,367 (+6.98%)	$379,100 (+20.93%) Land $120,000 Building $259,100
2025	$5,810.00 (+6.72%)	$313,500 (+15.67%) Land $90,000 Building $223,500	$313,500 (-) Land $90,000 Building $223,500
2024	$5,444.00 (+9.76%)
2023	$4,960.00	$271,033	$313,500 Land $90,000 Building $223,500

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.

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