839 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 839 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,576 sqft · built 1992
Lot Size	0.047 acres (2,041 sqft)
Owner	Trust Name on File
Last Sale	$211,000 (Dec 2017)
Tax Bill	$5,122 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-167808`

Property Details

APN / Parcel Number

Primary APN	`02-167808`
Alternative APNs	`2167808` `167808`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,576 sqft Living Area
1st Floor Area	796 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,041 sqft (0.047 acres)
Porch	Open Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	167808
Street Address	839 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 271 SEC 2 PLAT 6 2,041 SQ. FT. WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	271
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

839 Waterford Dr, a townhouse, is held in a trust since March 2022.

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

Owner of Record	Trust Name on File
Mailing Address	839 WATERFORD DR, FREDERICK, MD 21702-4093
Owner Type	Company
Vesting	Trust

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
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Mar 16, 2022	Intrafamily Transfer, Transfer
Dec 18, 2017	Deed, Transfer FREDERICK COUNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2017 · Amount on File
Deed Sale	Dec 18, 2017 · Amount on File
Prior Sale	Aug 1, 2005 · Amount on File
Deed Document Number	201712189-0373
Deed Book / Page	12189 / 373
Last Transfer Date	Mar 8, 2022
Transfer Doc	0157950299
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	839 WATERFORD DR, FREDERICK, MD 21702-4093
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136430430
Date	Apr 9, 2020
Book Page	13643/430

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 16, 2022
Property Address	839 WATERFORD DR, FREDERICK, MD 21702-4093
Document Number	0157950299
Book / Page	15795 / 299
Map Reference	MB 42 FO 125
Instrument Date	Mar 8, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	839 WATERFORD DR, FREDERICK, MD 21702-4093

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 18, 2017
Property Address	839 WATERFORD DR, FREDERICK, MD 21702-4093
Document Number	0121890373
Book / Page	12189 / 0373
Map Reference	MB42 FO125
Instrument Date	Dec 5, 2017
Instrument	12189-0373
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	IN HOUSE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,532.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	MD 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 FELDSPAR RD, MIDDLETOWN, MD 21769-7547

Mortgage

Document Number	121890399
Date	Dec 18, 2017
Instrument	12189-0399

Lender

Name	FREDERICK COUNTY
Type	Government Agency

Agreement

Amount	Amount on Record

Mortgage

Document Number	0121890381
Date	Dec 18, 2017
Book Page	12189/0381
Instrument	12189-0381

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 839 Waterford Dr was $5,122, up 7.8% 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		$293,700 (+6.49%)	$329,500 (+19.47%) Land $75,000 Building $254,500
2025	$5,122.00 (+7.76%)	$275,800 Land $75,000 Building $200,800	$275,800 Land $75,000 Building $200,800
2024	$4,753.00 (+11.03%)
2023	$4,281.00	$233,267	$275,800 Land $75,000 Building $200,800

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

Flood

FEMA maps place 839 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 839 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.

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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