814 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 814 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,653 sqft · built 1993
Lot Size	0.068 acres (2,972 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (May 2020)
Tax Bill	$4,899 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-157748`

Property Details

APN / Parcel Number

Primary APN	`02-157748`
Alternative APNs	`2157748` `157748`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,653 sqft Living Area
1st Floor Area	869 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,972 sqft (0.068 acres)
Porch	Slab
Porch Area	40 sqft
Patio Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	157748
Street Address	814 WATERFORD DR
City	FREDERICK
State	MD
Zip	21702-4088
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LT 320 SEC 2 PLAT 4 2972 SQ FT WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	320
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2008
Census Tract	750504

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

814 Waterford Dr, a townhouse, is owned and occupied by an individual who bought it in May 2020.

Source: Frederick County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	814 WATERFORD DR, FREDERICK, MD 21702-4088
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMESPIRE MORTGAGE CORP
May 7, 2020	Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on File
Deed Sale	May 7, 2020 · Amount on File
Prior Sale	Apr 28, 1993 · Amount on File
Deed Book / Page	13717 / 87
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	814 WATERFORD DR, FREDERICK, MD 21702-4088
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	NORTH FRONTIER TITLE & ESCROW LLC, NORTH FRONTIER T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 WATERFORD DR, FREDERICK, MD 21702-4088

Mortgage

Document Number	0150550424
Date	Jul 2, 2021
Book Page	15055/424

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 7, 2020
Property Address	814 WATERFORD DR, FREDERICK, MD 21702-4088
Document Number	0137170087
Book / Page	13717 / 87
Map Reference	MB 46 PL 71
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MCLEAN SETMNT & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	814 WATERFORD DR, FREDERICK, MD 21702-4088

Mortgage

Document Number	1371795
Date	May 7, 2020
Instrument	13717/95

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 814 Waterford Dr was $4,899.

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	$4,899.00	$263,600 Land $75,000 Building $188,600	$263,600 Land $75,000 Building $188,600
2023	$4,225.00	$230,133	$263,600 Land $75,000 Building $188,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 814 Waterford Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2015–2019)
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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

The area around 814 Waterford 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.

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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber, T-Mobile, Verizon.

Nearby Properties on Waterford Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures