645 Cawley Dr, Frederick, MD 21703 Property Records

Frederick County property record for 645 Cawley Dr, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	4 ba · 2,320 sqft · built 2012
Lot Size	0.039 acres (1,730 sqft)
Owner	Individual Name on File
Last Sale	$274,000 (Mar 2016)
Tax Bill	$5,553 (2023)
Deeds & Mortgages	Jan 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-464225`

Property Details

APN / Parcel Number

Primary APN	`02-464225`
Alternative APN	`464225`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,320 sqft Total Area

Exterior

Year Built	Built 2012
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,730 sqft (0.039 acres)
Garage Type	Built-in
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	464225
Street Address	645 CAWLEY DR
City	FREDERICK
State	MD
Zip	21703-4563
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 61 PL 7 PH III & IV 1,730 SQ FT BALLENGER CREEK CNT PND
Legal Subdivision	BALLENGER CREEK
Legal Phase	3
Legal Lot Number	61
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2001
Census Tract	751003

Owner

Source: Frederick County assessment roll, as of July 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	645 CAWLEY DR, FREDERICK, MD 21703-4563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 4, 2016 · Amount on Record
Deed Sale	Mar 4, 2016 · Amount on Record
Prior Sale	Aug 30, 2011 · Amount on Record
Deed Document Number	0011018434
Deed Book / Page	11018 / 434
Record Updated	Jun 7, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	645 CAWLEY DR, FREDERICK, MD 21703-4563
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	NOT AVAILABLE, CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CAWLEY DR, FREDERICK, MD 21703-4563

Mortgage

Document Number	0167240169
Date	Jan 5, 2024
Book Page	16724/169

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20877

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$5,553.00	$304,033	$359,100 Land $90,000 Building $269,100

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

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