824 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 824 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,607 sqft · built 1993
Lot Size	0.051 acres (2,203 sqft)
Owner	Individual Name on File
Last Sale	$314,000 (Oct 2023)
Tax Bill	$4,989 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-158213`

Property Details

APN / Parcel Number

Primary APN	`02-158213`
Alternative APNs	`2158213` `158213`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,607 sqft Living Area
1st Floor Area	823 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,203 sqft (0.051 acres)
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	158213
Street Address	824 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 289 SEC 2 PLAT 5 2203 SQ FT WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	289
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2004
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

824 Waterford Dr, a townhouse, is owned and occupied by an individual who bought it in October 2023.

Source: Frederick County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	824 WATERFORD DR, FREDERICK, MD 21702-4088
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 9, 2017	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on File
Deed Sale	Oct 16, 2023 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Book / Page	16636 / 187
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 16, 2023
Property Address	824 WATERFORD DR, FREDERICK, MD 21702-4088
Document Number	0166360187
Book / Page	16636 / 187
Map Reference	MB 40 PL 104
Instrument Date	Oct 9, 2023
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 WATERFORD DR, FREDERICK, MD 21702-4088

Mortgage

Document Number	0016636195
Date	Oct 16, 2023
Instrument	16636/195

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	824 WATERFORD DR, FREDERICK, MD 21702-4088
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133310440
Date	Nov 8, 2019
Book Page	13331/0440

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 9, 2017
Property Address	824 WATERFORD DR, FREDERICK, MD 21702-4088
Document Number	0118610253
Book / Page	011861 / 000253
Instrument Date	May 31, 2016
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 WATERFORD DR FREDERICK MD 217024088, FREDERICK, MD 21702-4088

Mortgage

Document Number	118610260
Date	Jun 9, 2017
Book Page	011861/000260

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 824 Waterford Dr was $4,989.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$286,467	$322,400 Land $75,000 Building $247,400
2025	$4,989.00
2023	$4,151.00	$226,033	$268,500 Land $75,000 Building $193,500

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

Flood

FEMA maps place 824 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 824 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.

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