1308 Willow Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 1308 Willow Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,480 sqft · built 1992
Lot Size	0.195 acres (8,494 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (May 2022)
Tax Bill	$6,850 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-179164`

Property Details

APN / Parcel Number

Primary APN	`02-179164`
Alternative APNs	`2179164` `179164`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	2,898 sqft
1st Floor Area	1,194 sqft
Basement Area	400 sqft
Finished Basement	400 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	8,494 sqft (0.195 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	179164
Street Address	1308 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 24 PLAT 2 SEC 10 8494.10 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	24
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

1308 Willow Oak Dr is owned and occupied by two individuals who bought it in May 2022.

Source: Frederick County records, as of October 22, 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	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 4, 2022	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 31, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Book / Page	15898 / 206
Prior Transfer Date	Apr 26, 2019
Prior Transfer Doc	0129990117
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 29, 2026
Property Address	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152
Document Number	1797000486
Book / Page	17979 / 486
Instrument Date	Jul 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152

Mortgage

Document Number	1797000486,
Date	Jul 29, 2026
Book Page	17979/486

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	May 4, 2022
Property Address	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152
Document Number	0158980206
Book / Page	15898 / 206
Map Reference	MB 46 PG 84
Instrument Date	Apr 21, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 DECKER LAKE DR, 3217, SALT LAKE CITY, UT 84119-3284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152

Mortgage

Document Number	0015898214
Date	May 4, 2022
Instrument	15898/214

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	May 31, 2019
Property Address	1308 WILLOW OAK DR, FREDERICK, MD 21701-9152
Document Number	0129990117
Book / Page	012999 / 000117
Instrument Date	May 17, 2018
Transaction Type	Foreclosure
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$289.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 WILLOW OAK DR FREDERICK MD 217019152, FREDERICK, MD 21701-9152

Tax Assessment & Valuation

The 2025 property tax bill for 1308 Willow Oak Dr was $6,850 with a homeowner's exemption, up 4.9% 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		$445,600 (+3.65%)	$477,000 (+10.96%) Land $155,800 Building $321,200
2025	$6,850.00 (+4.85%) Homeowner's exemption	$429,900 Land $110,500 Building $319,400	$429,900 Land $110,500 Building $319,400
2024	$6,533.00 (+7.26%)
2023	$6,091.00 Homeowner's exemption	$354,700	$429,900 Land $110,500 Building $319,400

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

Flood

FEMA maps place 1308 Willow Oak 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	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

Wildfire risk around 1308 Willow Oak Dr is low, with less than a 0.01% annual chance of 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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