5831 River Oaks Ct, Frederick, MD 21704 Property Records

Frederick County property record for 5831 River Oaks Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,558 sqft · built 1996
Lot Size	0.523 acres (22,809 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,722 (Oct 1996)
Tax Bill	$5,390 (2023)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-291199`

Property Details

APN / Parcel Number

Primary APN	`09-291199`
Alternative APNs	`9291199` `291199`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,558 sqft Total Area
1st Floor Area	1,550 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,809 sqft (0.523 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	291199
Old Parcel Number	9291199
Street Address	5831 RIVER OAKS CT
City	FREDERICK
State	MD
Zip	21704-6896
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 6 PAHSE 1 PLAT 2 22,809 SQ. FT. RIVER OAKS
Legal Subdivision	RIVER OAKS
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	3
Census Block	3007
Census Tract	751904

Owner

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

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 Record
Mailing Address	5831 RIVER OAKS CT, FREDERICK, MD 21704-6896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 1996 · Amount on Record
Deed Sale	Oct 8, 1996 · Amount on Record
Prior Sale	Apr 2, 1996 · Amount on Record
Deed Document Number	965818
Deed Book / Page	02231 / 00348
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5831 RIVER OAKS CT, FREDERICK, MD 21704-6896
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5831 RIVER OAKS CT, FREDERICK, MD 21704-6896

Mortgage

Document Number	0147290415
Date	Apr 5, 2021
Book Page	14729/415

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Mar 1, 2031

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,390.00 Homeowner's exemption	$453,933	$475,800 Land $140,700 Building $335,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20