Frederick County property record for 1413 Willow Oak Dr, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,625 sqft · built 1991 |
| Lot Size | 0.141 acres (6,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Sep 2003) |
| Tax Bill | $6,734 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-177404 |
| Primary APN | 02-177404 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,625 sqft Living Area |
| Gross Area | 2,219 sqft |
| 1st Floor Area | 1,225 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,120 sqft (0.141 acres) |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 177404 |
|---|---|
| Street Address | 1413 WILLOW OAK DR |
| City | FREDERICK |
| State | MD |
| Zip | 21701-9148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LOT 52 PLAT 2 SEC 10 6120.01 SQ FT FREDERICKTOWNE VILLAGE |
| Legal Subdivision | FREDERICKTOWNE VILLAGE |
| Legal Lot Number | 52 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 750805 |
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.
1413 Willow Oak Dr is owned and occupied by two individuals who bought it in September 2003.
Source: Frederick County records, as of October 19, 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 | 1413 WILLOW OAK DR, FREDERICK, MD 21701-9148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2003 · Amount on File |
| Deed Sale | Sep 30, 2003 · Amount on File |
| Prior Sale | Nov 10, 1997 |
| Deed Document Number | 20037213 |
| Deed Book / Page | 4149 / 689 |
| Transfer Doc | 0023490847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1413 WILLOW OAK DR, FREDERICK, MD 21701-9148 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 12129 CREAGERSTOWN RD, GRACEHAM, MD 21788-2275 |
| Document Number | 0176480292 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 17648/292 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 1413 Willow Oak Dr was $6,734, up 7.3% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $388,000 (+6.56%) | $435,800 (+19.69%) Land $151,800 Building $284,000 | |
| 2025 | $6,734.00 (+7.35%) | $364,100 Land $110,100 Building $254,000 | $364,100 Land $110,100 Building $254,000 |
| 2024 | $6,273.00 (+10.5%) | ||
| 2023 | $5,677.00 | $310,900 | $364,100 Land $110,100 Building $254,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1413 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 risk around 1413 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 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.
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 |
| 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.
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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