1309 Willow Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 1309 Willow Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,684 sqft · built 1994
Lot Size	0.148 acres (6,461 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Jul 2023)
Tax Bill	$7,501 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-179075`

Property Details

APN / Parcel Number

Primary APN	`02-179075`
Alternative APNs	`2179075` `179075`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,684 sqft Living Area
Gross Area	2,876 sqft
1st Floor Area	948 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,461 sqft (0.148 acres)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	179075
Street Address	1309 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 32 PLAT 2 SEC 10 6461.57 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	32
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

1309 Willow Oak Dr is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1309 WILLOW OAK DR, FREDERICK, MD 21701-9153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 27, 2023	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
May 28, 2020	Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	May 28, 2020 · Amount on File
Deed Book / Page	16535 / 166
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 27, 2023
Property Address	1309 WILLOW OAK DR, FREDERICK, MD 21701-9153
Document Number	0165350166
Book / Page	16535 / 166
Map Reference	MB 46 PG 84
Instrument Date	Jul 20, 2023
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
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 by the Entirety
Address	1309 WILLOW OAK DR, FREDERICK, MD 21701-9153

Mortgage

Document Number	0016535173
Date	Jul 27, 2023
Instrument	16535/173

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 28, 2020
Property Address	1309 WILLOW OAK DR, FREDERICK, MD 21701-9153
Document Number	0137650051
Book / Page	13765 / 51
Map Reference	MB 46 PG 84
Instrument Date	Apr 29, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	COVENANT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1309 WILLOW OAK DR, 1309, FREDERICK, MD 21701-9153

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1309 WILLOW OAK DR, FREDERICK, MD 21701-9153

Mortgage

Document Number	0001376557
Date	May 28, 2020
Instrument	13765/57

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1309 Willow Oak Dr was $7,501 with a homeowner's exemption.

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		$451,033	$481,100 Land $152,400 Building $328,700
2025	$7,501.00
2023	$6,116.00 (+17.8%)	$335,333 (+17.66%)	$436,000 (+52.98%) Land $110,200 Building $325,800
2022	$5,192.00	$285,000 Land $95,100 Building $189,900	$285,000 Land $95,100 Building $189,900

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

Flood

FEMA maps place 1309 Willow Oak Dr in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 1309 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 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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