401 Cherry Oak Ct, Taneytown, MD 21787 Property Records

Carroll County property record for 401 Cherry Oak Ct, Taneytown, MD 21787

Property Summary

Property Type	Single Family Home
Details	1 ba · 952 sqft · built 1980
Lot Size	0.082 acres (3,571 sqft)
Owner	2 Individual Names on File
Last Sale	$131,000 (Jun 2017)
Tax Bill	$2,966 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-021990`

Property Details

APN / Parcel Number

Primary APN	`01-021990`
Alternative APNs	`1021990` `021990`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	952 sqft Total Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,571 sqft (0.082 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	021990
Street Address	401 CHERRY OAK CT
City	TANEYTOWN
State	MD
Zip	21787-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 2 - 3571 SF 401 CHERRY OAK CT 16-84 TANEY VLG SC 2 PLT 2
Legal Subdivision	TANEY VILLAGE SEC 2 2
Legal Lot Number	2
Jurisdiction	CARROLL MD
Township / Civil Division	1, TANEYTOWN
Census Block Group	1
Census Block	1031
Census Tract	501001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Taneytown Historic District listed 1986 · 282 contributing resources · NRIS 86002850

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

401 Cherry Oak Ct is owned and occupied by two individuals who bought it in June 2017.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 CHERRY OAK CT, TANEYTOWN, MD 21787-2301
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 1, 2017	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Prior Sale	Mar 15, 2005 · Amount on File
Deed Document Number	20178704-0340
Deed Book / Page	8704 / 340
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	401 CHERRY OAK CT, TANEYTOWN, MD 21787-2301
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099980414
Date	Dec 15, 2020
Book Page	9998/414

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Aug 1, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 1, 2017
Property Address	401 CHERRY OAK CT, TANEYTOWN, MD 21787-2301
Document Number	0087040340
Book / Page	008704 / 000340
Instrument Date	May 9, 2017
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 CHERRY OAK CT TANEYTOWN MD 217872301, TANEYTOWN, MD 21787-2301

Mortgage

Document Number	87040347
Date	Jun 1, 2017
Book Page	008704/000347

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 401 Cherry Oak Ct was $2,966, up 19.6% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Taneytown City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,966.00 (+19.6%)	$199,100 Land $70,000 Building $129,100	$199,100 Land $70,000 Building $129,100
2025	$2,480.00
2023	$2,247.00	$149,800 Land $70,000 Building $79,800	$149,800 Land $70,000 Building $79,800

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

Flood

FEMA maps place 401 Cherry Oak Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Cherry Oak Ct is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 TANEYTOWN serves 6,750 people · EPA ID MD0060012
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 ppb (2021–2023) 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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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