Frederick County property record for 6400 Towncrest Ter, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,156 sqft · built 1997 |
| Lot Size | 0.057 acres (2,481 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Dec 2020) |
| Tax Bill | $3,662 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Feb 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-455145 |
| Primary APN | 23-455145 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 748 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,481 sqft (0.057 acres) |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 455145 |
|---|---|
| Street Address | 6400 TOWNCREST TER |
| City | FREDERICK |
| State | MD |
| Zip | 21703-1852 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 209 PLAT 1 SEC 4 2,481 SQ. FT. HANNOVER |
| Legal Subdivision | HANNOVER |
| Legal Lot Number | 209 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 23, BALLENGER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 751004 |
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 | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 4, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 11, 2021 | Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| Dec 11, 2020 | Grant Deed, Transfer OTHER |
| Dec 11, 2020 | Grant Deed, Transfer · FHA Mortgage PRESIDENTIAL BK |
| Aug 16, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on Record |
| Deed Sale | Dec 11, 2020 · Amount on Record |
| Prior Sale | Mar 2, 2006 |
| Deed Book / Page | 14353 / 429 |
| Prior Transfer Date | Jul 28, 2017 |
| Prior Transfer Doc | 0119830083 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 4, 2026 |
| Property Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Document Number | 1789000193 |
| Book / Page | 17897 / 193 |
| Instrument Date | May 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Document Number | 1789000193, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 17897/193 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 1, 2066 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0145350133 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 14535/133 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 11, 2020 |
| Property Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Document Number | 0143530429 |
| Book / Page | 014353 / 000429 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2021 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $295.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6400 TOWNCREST TER FREDERICK MD 217031852, FREDERICK, MD 21703-1852 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 11, 2020 |
| Property Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Document Number | 0143530428 |
| Book / Page | 014353 / 000428 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2021 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $295.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6400 TOWNCREST TER FREDERICK MD 217031852, FREDERICK, MD 21703-1852 |
| Document Number | 143530436 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 014353/000436 |
| Name | PRESIDENTIAL BK |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Number | 143530456, |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 014353/000456 |
| Name | HOUSING & CMNTY DEV DEPT |
|---|---|
| Type | Construction/Development Company |
| Address | LANHAM, MD 20706 |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 16, 2017 |
| Property Address | 6400 TOWNCREST TER, FREDERICK, MD 21703-1852 |
| Document Number | 0119830083 |
| Book / Page | 011983 / 000083 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20638 NEENVINDER ST GERMANTOWN MD 20874, GERMANTOWN, MD 20874 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,900 (+10.74%) Land $109,000 Building $261,900 | $370,900 (-) Land $109,000 Building $261,900 | |
| 2025 | $3,662.00 (+6.27%) Homeowner's exemption | $334,933 (+27.35%) | $370,900 (+41.03%) Land $109,000 Building $261,900 |
| 2024 | $3,446.00 (+8.71%) | ||
| 2023 | $3,170.00 Homeowner's exemption | $263,000 Land $82,000 Building $181,000 | $263,000 Land $82,000 Building $181,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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