1404 Willow Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 1404 Willow Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,055 sqft · built 1991
Lot Size	0.195 acres (8,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Nov 2013)
Tax Bill	$7,143 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-174774`

Property Details

APN / Parcel Number

Primary APN	`02-174774`
Alternative APNs	`2174774` `174774`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,055 sqft Living Area
Gross Area	2,391 sqft
1st Floor Area	1,115 sqft
Basement Area	380 sqft
Finished Basement	380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,480 sqft (0.195 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	174774
Street Address	1404 WILLOW OAK DR
City	FREDERICK
State	MD
Zip	21701-9147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 16 PLAT 1 SEC 10 8.480.25 SQ. FT. FREDERICKTOWNE VIL. PND
Legal Subdivision	FREDERICKTOWN VILLAGE 01 SEC 01
Legal Lot Number	16
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	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage EQUITY RESOURCES INC
Aug 17, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2013 · Amount on Record
Deed Sale	Nov 15, 2013 · Amount on Record
Prior Sale	Oct 6, 2004 · Amount on Record
Deed Book / Page	9850 / 479
Last Transfer Date	Jan 13, 2021
Transfer Doc	0145260473
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120550112
Date	Sep 29, 2017
Book Page	12055/0112
Instrument	12055-0112

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 1, 2047

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Feb 8, 2021
Property Address	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147
Document Number	0145260473
Book / Page	14526 / 473
Map Reference	MB 45 PG 91
Instrument Date	Jan 13, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147

Mortgage

Document Number	14526479
Date	Feb 8, 2021
Instrument	14526/479

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

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

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Aug 17, 2017
Property Address	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147
Document Number	0119840398
Book / Page	11984 / 0398
Map Reference	MB45 PG91
Instrument Date	Apr 24, 2017
Instrument	11984-0398
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1404 WILLOW OAK DR, FREDERICK, MD 21701-9147

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		$412,467 (+6.72%)	$464,400 (+20.16%) Land $155,800 Building $308,600
2025	$7,143.00 (+7.95%)	$386,500 (+18.57%) Land $110,500 Building $276,000	$386,500 (-) Land $110,500 Building $276,000
2024	$6,617.00 (+11.27%)
2023	$5,947.00	$325,967	$386,500 Land $110,500 Building $276,000

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 99.1% of the US · lower than 98.5% 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 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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