421 White Oak Pl, Frederick, MD 21701 Property Records

Frederick County property record for 421 White Oak Pl, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 972 sqft · built 1963
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on File
Last Sale	$247,500 (Apr 2018)
Tax Bill	$5,582 (2023)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-035944`

Property Details

APN / Parcel Number

Primary APN	`02-035944`
Alternative APNs	`2035944` `035944`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	972 sqft Total Area
1st Floor Area	972 sqft
Basement Area	777 sqft
Finished Basement	777 sqft

Exterior

Year Built	Built 1963
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	421 ft deep x 60 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	216 sqft
Deck Area	216 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	035944
Old Parcel Number	2035944
Street Address	421 WHITE OAK PL
City	FREDERICK
State	MD
Zip	21701-6520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT #10, BLK. 0. 60 X 421 WHITOAK PL. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	O
Legal Lot Number	10
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1005
Census Tract	765100

Historic Designation

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

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713

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

Owner

421 White Oak Pl is owned and occupied by an individual who bought it in April 2018.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Mailing Address	421 WHITE OAK PL, FREDERICK, MD 21701-6520
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Prior Sale	May 3, 1999 · Amount on File
Deed Document Number	0012374493
Deed Book / Page	12374 / 493
Record Updated	Jun 7, 2026

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 20, 2018
Property Address	421 WHITE OAK PL, FREDERICK, MD 21701-6520
Document Number	0123740493
Book / Page	012374 / 000493
Instrument Date	Apr 6, 2018
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	CLASSIC SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	421 WHITE OAK PL FREDERICK MD 217016520, FREDERICK, MD 21701-6520

Mortgage

Document Number	123740500
Date	Apr 20, 2018
Book Page	012374/000500

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$5,582.00	$305,667	$374,200 Land $132,600 Building $241,600

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

Flood

FEMA maps place 421 White Oak Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

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

The area around 421 White Oak Pl has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 311 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20