861 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 861 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2 ba · 1,309 sqft · built 1990
Lot Size	0.047 acres (2,043 sqft)
Owner	2 Individual Names on File
Last Sale	$269,500 (Mar 2022)
Tax Bill	$4,242 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-167689`

Property Details

APN / Parcel Number

Primary APN	`02-167689`
Alternative APNs	`2167689` `167689`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,309 sqft Living Area
1st Floor Area	984 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,043 sqft (0.047 acres)
Garage Type	Carport
Garage Area	162 sqft
Carport	Carport
Carport Area	162 sqft
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	167689
Street Address	861 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 260 SEC 2 PLAT 6 2,043 SQ. FT. WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	260
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

861 Waterford Dr, a townhouse, is owned and occupied by two individuals who bought it in March 2022.

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	2 Individual Names on File
Mailing Address	861 WATERFORD DR, FREDERICK, MD 21702-4046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 12, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Book / Page	15793 / 89
Prior Transfer Date	Dec 18, 2013
Prior Transfer Doc	0099140157
Record Updated	Oct 29, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 15, 2022
Property Address	861 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0157930089
Book / Page	15793 / 89
Map Reference	MB 42 PL 125
Instrument Date	Feb 4, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
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	861 WATERFORD DR, FREDERICK, MD 21702-4046

Mortgage

Document Number	0001579397
Date	Mar 15, 2022
Instrument	15793/97

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 12, 2019
Property Address	861 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0129180361
Book / Page	012918 / 000361
Instrument Date	Apr 4, 2019
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1015 RIPARIAN DR FALLING WATERS WV 254194399, FALLING WATERS, WV 25419-4399

Tax Assessment & Valuation

The 2025 property tax bill for 861 Waterford Dr was $4,242 with a homeowner's exemption, up 4.7% 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		$248,600 (+0.77%)	$252,400 (+2.31%) Land $75,000 Building $177,400
2025	$4,242.00 (+4.74%) Homeowner's exemption	$246,700 Land $75,000 Building $171,700	$246,700 Land $75,000 Building $171,700
2024	$4,050.00 (+7.2%)
2023	$3,778.00	$205,300	$246,700 Land $75,000 Building $171,700

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

Flood

FEMA maps place 861 Waterford Dr in Zone X, an area of minimal 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 minimal risk
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 861 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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