829 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 829 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,639 sqft · built 1992
Lot Size	0.07 acres (3,053 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Dec 2009)
Tax Bill	$4,445 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`02-167840`

Property Details

APN / Parcel Number

Primary APN	`02-167840`
Alternative APNs	`2167840` `167840`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,639 sqft Living Area
1st Floor Area	855 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,053 sqft (0.07 acres)
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	167840
Street Address	829 WATERFORD DR
City	FREDERICK
State	MD
Zip	21702-4093
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 275 SEC 2 PLAT 7 3,053 SQ. FT. WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	275
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2003
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

829 Waterford Dr, a townhouse, is owned and occupied by an individual who bought it in December 2009.

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	Individual Name on File
Mailing Address	829 WATERFORD DR, FREDERICK, MD 21702-4093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2009 · Amount on File
Deed Sale	Dec 14, 2009 · Amount on File
Prior Sale	Jan 4, 2006 · Amount on File
Deed Document Number	20095347
Deed Book / Page	7619 / 60
Prior Transfer Date	Aug 26, 2006
Prior Transfer Doc	0062620086
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	829 WATERFORD DR, FREDERICK, MD 21702-4093
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 WATERFORD DR, FREDERICK, MD 21702-4093

Mortgage

Document Number	0160480051
Date	Jul 25, 2022
Book Page	16048/51

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	476 Months
Due	Mar 8, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	829 WATERFORD DR, FREDERICK, MD 21702-4093
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142060150
Date	Oct 26, 2020
Book Page	14206/150

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 829 Waterford Dr was $4,445 with a homeowner's exemption, up 4.6% from the year before.

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		$273,800 (+8.74%)	$317,800 (+26.21%) Land $75,000 Building $242,800
2025	$4,445.00 (+4.56%) Homeowner's exemption	$251,800 Land $75,000 Building $176,800	$251,800 Land $75,000 Building $176,800
2024	$4,251.00 (+7.02%)
2023	$3,972.00 Homeowner's exemption	$221,400	$251,800 Land $75,000 Building $176,800

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

Flood

FEMA maps place 829 Waterford Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 829 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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