849 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 849 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,588 sqft · built 1991
Lot Size	0.047 acres (2,041 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Aug 1999)
Tax Bill	$4,503 (2024)
Deeds & Mortgages	Apr 2023 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-167743`

Property Details

APN / Parcel Number

Primary APN	`02-167743`
Alternative APNs	`2167743` `167743`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
1st Floor Area	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
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	167743
Street Address	849 WATERFORD DR
City	FREDERICK
State	MD
Zip	21702-4046
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 266 SEC 2 PLAT 6 2,041 SQ. FT. WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	266
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

849 Waterford Dr, a townhouse, is owned and occupied by two individuals who acquired it in March 2023.

Source: Frederick County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	849 WATERFORD DR, FREDERICK, MD 21702-4046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 24, 2023	Intrafamily Transfer, Transfer
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 1999 · Amount on File
Deed Sale	Aug 6, 1999 · Amount on File
Prior Sale	Feb 4, 1992 · Amount on File
Deed Document Number	19995011
Deed Book / Page	2617 / 129
Last Transfer Date	Mar 15, 2023
Transfer Doc	0164110213
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 24, 2023
Property Address	849 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0164110213
Book / Page	16411 / 213
Map Reference	MB 42 PL 125
Instrument Date	Mar 15, 2023
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	849 WATERFORD DR, FREDERICK, MD 21702-4046

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	849 WATERFORD DR, FREDERICK, MD 21702-4046
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134360474
Date	Jan 2, 2020
Book Page	13436/0474

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	849 WATERFORD DR, FREDERICK, MD 21702-4046
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0158790402
Date	Apr 26, 2022
Book Page	15879/402

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$261,500 Land $75,000 Building $186,500	$261,500 Land $75,000 Building $186,500
2024	$4,503.00 (+11.24%)
2023	$4,048.00	$220,300	$261,500 Land $75,000 Building $186,500

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

Flood

FEMA maps place 849 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 849 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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