Frederick County property record for 631 Cawley Dr, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,176 sqft · built 2011 |
| Lot Size | 0.04 acres (1,730 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $412,000 (Aug 2024) |
| Tax Bill | $5,322 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-464152 |
| Primary APN | 02-464152 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 736 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,730 sqft (0.04 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 464152 |
|---|---|
| Street Address | 631 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 54 PL 7 PH III & IV 1,730 SQ FT BALLENGER CREEK CNT PND |
| Legal Subdivision | BALLENGER CREEK |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 751003 |
Source: Frederick County records, as of September 9, 2025
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 | 18900 MOONWALK CT, GERMANTOWN, MD 20874-6119 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Mar 11, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Mar 4, 2019 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2024 · Amount on Record |
| Deed Sale | Aug 26, 2024 · Amount on Record |
| Prior Sale | Mar 11, 2021 |
| Prior Transfer Date | Nov 23, 2020 |
| Prior Transfer Doc | 0146550001 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 11, 2021 |
| Property Address | 631 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0146550001 |
| Book / Page | 14655 / 1 |
| Map Reference | MB 87 PG 22&23 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 631 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 146555 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 14655/5 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 4, 2019 |
| Property Address | 631 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0128550179 |
| Book / Page | 12855 / 0179 |
| Map Reference | MB 87 PG 22&23 |
| Instrument Date | Jan 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $706.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 631 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0012855188 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 12855/188 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2049 |
Source: Frederick County assessment roll, as of August 4, 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 | $331,700 (+17.44%) Land $90,000 Building $241,700 | $331,700 (-) Land $90,000 Building $241,700 | |
| 2024 | $5,322.00 (+7.15%) | ||
| 2023 | $4,967.00 Homeowner's exemption | $282,433 | $331,700 Land $90,000 Building $241,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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