877 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 877 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,639 sqft · built 1991
Lot Size	0.051 acres (2,198 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Dec 2021)
Tax Bill	$4,856 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-158094`

Property Details

APN / Parcel Number

Primary APN	`02-158094`
Alternative APNs	`2158094` `158094`

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
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	2,198 sqft (0.051 acres)
Porch	Open Porch
Porch Area	40 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	158094
Street Address	877 WATERFORD DR
City	FREDERICK
State	MD
Zip	21702-4046
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LT 248 SEC 2 PLAT 4 2198 SQ FT WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	248
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

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 Record
Mailing Address	877 WATERFORD DR, FREDERICK, MD 21702-4046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 7, 2018	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Jun 7, 2018 · Amount on Record
Deed Book / Page	15540 / 129
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 6, 2021
Property Address	877 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0155400129
Book / Page	15540 / 129
Map Reference	MB 46 PG 71
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
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 in Severalty
Address	877 WATERFORD DR, FREDERICK, MD 21702-4046

Mortgage

Document Number	0015540135
Date	Dec 6, 2021
Instrument	15540/135

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 7, 2018
Property Address	877 WATERFORD DR, FREDERICK, MD 21702-4046
Document Number	0124520060
Book / Page	12452 / 0060
Map Reference	MB46 PG71
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 WATERFORD DR, FREDERICK, MD 21702-4046

Mortgage

Document Number	0001245269
Date	Jun 7, 2018
Instrument	12452/69

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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		$289,433 (+22.47%)	$325,900 (+20.17%) Land $75,000 Building $250,900
2025	$4,856.00 (+11.99%)
2023	$4,336.00	$236,333	$271,200 Land $75,000 Building $196,200

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

Flood

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 500 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

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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