Frederick County property record for 647 Cawley Dr, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,520 sqft · built 2012 |
| Lot Size | 0.056 acres (2,436 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,281 (Sep 2011) |
| Tax Bill | $6,255 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Oct 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-464233 |
| Primary APN | 02-464233 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,520 sqft Living Area |
| Gross Area | 2,720 sqft |
| 1st Floor Area | 840 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,436 sqft (0.056 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 464233 |
|---|---|
| Street Address | 647 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 62 PL 7 PH III & IV 2,436 SQ FT BALLENGER CREEK CNT PND |
| Legal Subdivision | BALLENGER CREEK |
| Legal Phase | 3 |
| Legal Lot Number | 62 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 751003 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 5, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| May 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage TITAN MUTUAL LENDING INC |
| Dec 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCMBC INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2011 · Amount on Record |
| Deed Sale | Sep 12, 2011 · Amount on Record |
| Deed Book / Page | 8508 / 58 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0162080269 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 16208/269 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Aug 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0126580377 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 12658/0377 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0158950263 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 15895/263 |
| Name | TITAN MUTUAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 647 CAWLEY DR, FREDERICK, MD 21703-4563 |
| Document Number | 0144130477 |
| Instrument Date | Dec 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11117 PUTMAN RD THURMONT MD 217882748, THURMONT, MD 21788-2748 |
| Document Number | 0144130477 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 014413/000477 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2051 |
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $382,200 (+15.51%) | $430,800 (+12.6%) Land $120,000 Building $310,800 | |
| 2025 | $6,255.00 (+6.8%) | ||
| 2023 | $5,857.00 Homeowner's exemption | $330,867 | $382,600 Land $90,000 Building $292,600 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures