634 Cawley Dr, Frederick, MD 21703 Property Records

Frederick County property record for 634 Cawley Dr, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 2,520 sqft · built 2012
Lot Size	0.074 acres (3,237 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Jun 2024)
Tax Bill	$6,717 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-464462`

Property Details

APN / Parcel Number

Primary APN	`02-464462`
Alternative APN	`464462`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,520 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	840 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,237 sqft (0.074 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	464462
Street Address	634 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 88 PL 7 PH III & IV 3,237 SQ FT BALLENGER CREEK CNT PND
Legal Subdivision	BALLENGER CREEK
Legal Phase	3
Legal Lot Number	88
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2004
Census Tract	751003

Owner

Source: Frederick County records, as of June 29, 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	634 CAWLEY DR, FREDERICK, MD 21703-4564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Prior Sale	Jul 24, 2013 · Amount on Record
Deed Book / Page	16900 / 100
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jun 22, 2026
Property Address	634 CAWLEY DR, FREDERICK, MD 21703-4564
Document Number	1792000369
Book / Page	17922 / 369
Instrument Date	Jun 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 CAWLEY DR, FREDERICK, MD 21703-4564

Mortgage

Document Number	1792000369,
Date	Jun 22, 2026
Book Page	17922/369

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$6,717.00 (+20.61%)	$363,200 (+15.57%) Land $90,000 Building $273,200	$363,200 (-) Land $90,000 Building $273,200
2023	$5,569.00 Homeowner's exemption	$314,267	$363,200 Land $90,000 Building $273,200

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