Frederick County property record for 637 Cawley Dr, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,960 sqft · built 2011 |
| Lot Size | 0.059 acres (2,595 sqft) |
| Owner | Individual Name on File |
| Last Sale | $342,000 (Oct 2021) |
| Tax Bill | $5,397 (2023) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-464187 |
| Primary APN | 02-464187 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 1,960 sqft Total Area |
| Year Built | Built 2011 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,595 sqft (0.059 acres) |
| Garage Type | Built-in |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 464187 |
|---|---|
| Street Address | 637 CAWLEY DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-4563 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 57 PL 7 PH III & IV 2,595 SQ FT BALLENGER CREEK CNT PND |
| Legal Subdivision | BALLENGER CREEK |
| Legal Phase | 3 |
| Legal Lot Number | 57 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 751003 |
637 Cawley Dr, a townhouse, is owned and occupied by an individual who bought it in October 2021.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 637 CAWLEY DR, FREDERICK, MD 21703-4563 |
| 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 26, 2021 | Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC |
| May 20, 2020 | Deed, Transfer · VA Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on File |
| Deed Sale | Oct 26, 2021 · Amount on File |
| Prior Sale | May 20, 2020 · Amount on File |
| Deed Document Number | 0015432177 |
| Deed Book / Page | 15432 / 177 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 26, 2021 |
| Property Address | 637 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0154320177 |
| Book / Page | 15432 / 177 |
| Map Reference | MB 87 PG 22&23 |
| Instrument Date | May 6, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 637 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 15432186 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 15432/186 |
| Name | APEX HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 20, 2020 |
| Property Address | 637 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0137480102 |
| Book / Page | 13748 / 102 |
| Map Reference | MB 87 PG 22&23 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CLA TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 637 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 13748110 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 13748/110 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
Source: Frederick County assessment roll, as of July 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $5,397.00 | $295,333 | $346,800 Land $90,000 Building $256,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 637 Cawley Dr 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 637 Cawley Dr 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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