863 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 863 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2 ba · 1,309 sqft · built 1990
Lot Size	0.047 acres (2,041 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2020)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-167670`

Property Details

APN / Parcel Number

Primary APN	`02-167670`
Alternative APNs	`2167670` `167670`

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	2,041 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	167670
Street Address	863 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 259 SEC 2 PLAT 6 2,041 SQ. FT. WATERFORD
Legal Subdivision	WATERFORD SEC 2 6
Legal Lot Number	259
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

863 Waterford Dr, a townhouse, is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	863 WATERFORD DR, FREDERICK, MD 21702-4046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 12, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Nov 13, 2020	Grant Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Prior Sale	Apr 8, 2014 · Amount on File
Deed Book / Page	14261 / 61
Transfer Doc	0028070714
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	863 WATERFORD DR, FREDERICK, MD 21702-4046
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128670130
Date	Mar 12, 2019
Book Page	12867/0130

Lender

Name	MANUFACTURERS TRADERS TRUST CO
Type	Lending Institution
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	863 WATERFORD DR, FREDERICK, MD 21702-4046
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147840352
Date	Apr 19, 2021
Book Page	14784/352

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 13, 2020
Property Address	863 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0142610061
Book / Page	014261 / 000061
Instrument Date	Oct 30, 2020
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	863 WATERFORD DR FREDERICK MD 217024046, FREDERICK, MD 21702-4046

Tax Assessment & Valuation

The 2025 property tax bill for 863 Waterford Dr was $4,024 with a homeowner's exemption, up 4.8% 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		$248,600 (+0.77%)	$252,400 (+2.31%) Land $75,000 Building $177,400
2025	$4,024.00 (+4.79%) Homeowner's exemption	$246,700 Land $75,000 Building $171,700	$246,700 Land $75,000 Building $171,700
2024	$3,840.00 (+7.2%)
2023	$3,582.00	$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 863 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 863 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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