1304 Willow Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 1304 Willow Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,842 sqft · built 1992
Lot Size	0.153 acres (6,646 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2018)
Tax Bill	$8,563 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-179148`

Property Details

APN / Parcel Number

Primary APN	`02-179148`
Alternative APNs	`2179148` `179148`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,842 sqft Living Area
Gross Area	3,260 sqft
1st Floor Area	1,156 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,646 sqft (0.153 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	179148
Street Address	1304 WILLOW OAK DR
City	FREDERICK
State	MD
Zip	21701-9152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 26 PLAT 2 SEC 10 6646.36 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICK TOWNE VILLAGE SEC 02
Legal Lot Number	26
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 August 7, 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	1304 WILLOW OAK DR, FREDERICK, MD 21701-9152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Jun 26, 2018	Deed, Transfer · Conventional Mortgage CORRIDOR MORTGAGE GROUP INC
Oct 17, 2016	Deed of Trust, Mortgage · Conventional Mortgage ALLIANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Jun 24, 2004 · Amount on Record
Deed Book / Page	12488 / 130
Transfer Doc	0057350722
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1304 WILLOW OAK DR, FREDERICK, MD 21701-9152
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	COLONY TITLE GROUP LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138740124
Date	Jul 6, 2020
Book Page	13874/124

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 26, 2018
Property Address	1304 WILLOW OAK DR, FREDERICK, MD 21701-9152
Document Number	0124880130
Book / Page	12488 / 0130
Map Reference	MB46 PG84
Instrument Date	Jun 19, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
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
Relationship	Tenants by the Entirety
Address	1304 WILLOW OAK DR, FREDERICK, MD 21701-9152

Mortgage

Document Number	0012488136
Date	Jun 26, 2018
Instrument	12488/136

Lender

Name	CORRIDOR MORTGAGE GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1304 WILLOW OAK DR, FREDERICK, MD 21701-9152
Document Number	0124620128
Instrument Date	Oct 17, 2016
Transaction Type	Mortgage
Record Updated	Jun 25, 2018
Title Company	LENDERLIVE SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1304 WILLOW OAK DR FREDERICK MD 217019152, FREDERICK, MD 21701-9152

Mortgage

Document Number	0124620128
Date	Jun 12, 2018
Book Page	012462/000128

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Jun 11, 2031

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		$479,200 (+3.21%)	$509,000 (+9.63%) Land $152,700 Building $356,300
2025	$8,563.00 (+9.19%)	$464,300 (+21.58%) Land $110,200 Building $354,100	$464,300 (-) Land $110,200 Building $354,100
2024	$7,842.00 (+12.79%)
2023	$6,953.00	$381,900	$464,300 Land $110,200 Building $354,100

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 100 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber, Verizon.

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