1301 Willow Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 1301 Willow Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,995 sqft · built 1994
Lot Size	0.187 acres (8,153 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2021)
Tax Bill	$7,285 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-179105`

Property Details

APN / Parcel Number

Primary APN	`02-179105`
Alternative APNs	`2179105` `179105`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,995 sqft Living Area
Gross Area	2,331 sqft
1st Floor Area	1,115 sqft
Basement Area	320 sqft
Finished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,153 sqft (0.187 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	179105
Street Address	1301 WILLOW OAK DR
City	FREDERICK
State	MD
Zip	21701-9153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 29 PLAT 2 SEC 10 8153 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	29
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1010
Census Tract	750805

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 June 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage KEYPOINT FEDERAL CREDIT UNION
May 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SKYPOINT FEDERAL CREDIT UNION
Apr 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SKYPOINT FEDERAL CREDIT UNION
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION
Jun 9, 2021	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	Oct 21, 2010 · Amount on Record
Deed Book / Page	14976 / 295
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jun 9, 2026
Property Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Document Number	1790000121
Book / Page	17901 / 121
Instrument Date	Jun 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153

Mortgage

Document Number	1790000121,
Date	Jun 9, 2026
Book Page	17901/121

Lender

Name	KEYPOINT FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 8, 2031

Interest

Rate	6.37%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0168590135
Date	May 13, 2024
Book Page	16859/135

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	CLARKSBURG, MD 20871

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 13, 2029

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0164060493
Date	Apr 19, 2023
Book Page	16406/493

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 18, 2038

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157970084
Date	Mar 17, 2022
Book Page	15797/84

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 9, 2021
Property Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153
Document Number	0149760295
Book / Page	14976 / 295
Map Reference	MB 46 PG 84
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1301 WILLOW OAK DR, FREDERICK, MD 21701-9153

Mortgage

Document Number	0014976302
Date	Jun 9, 2021
Instrument	14976/302

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

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	$7,285.00 (+23.29%)	$394,300 (+21.76%) Land $110,400 Building $283,900	$394,300 (-) Land $110,400 Building $283,900
2023	$5,909.00	$323,833	$394,300 Land $110,400 Building $283,900

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	5 in force

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	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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