Frederick County property record for 6109 Cool Spring Ter S, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,150 sqft · built 1993 |
| Lot Size | 0.219 acres (9,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,900 (Jul 2004) |
| Tax Bill | $6,157 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-276122 |
| Primary APN | 09-276122 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,150 sqft Living Area |
| Gross Area | 3,633 sqft |
| 1st Floor Area | 1,134 sqft |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,550 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Deck Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 276122 |
|---|---|
| Street Address | 6109 COOL SPRING TER S |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LT 127 SEC A PLAT 14 9550 SQ FT SPRING RIDGE P.U.D. |
| Legal Subdivision | SPRING RIDGE PUD |
| Legal Lot Number | 127 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 751902 |
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.
6109 Cool Spring Ter S is owned and occupied by two individuals who bought it in July 2004.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6109 COOL SPRING TER S, FREDERICK, MD 21701-5804 |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2004 · Amount on File |
| Deed Sale | Jul 12, 2004 · Amount on File |
| Prior Sale | Aug 30, 2001 · Amount on File |
| Deed Document Number | 200445491 |
| Deed Book / Page | 4725 / 223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6109 COOL SPRING TER S, FREDERICK, MD 21701-5804 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0136210151 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 13621/151 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6109 COOL SPRING TER S, FREDERICK, MD 21701-5804 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | COLONY TITLE GROUP LTD |
| Name | Verified Name |
|---|
| Document Number | 0157460413 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 15746/413 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 6109 Cool Spring Ter S was $6,157 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $566,633 | $599,800 Land $151,100 Building $448,700 | |
| 2025 | $6,157.00 | ||
| 2023 | $5,353.00 Homeowner's exemption | $468,733 | $500,300 Land $151,100 Building $349,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6109 Cool Spring Ter S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2001 · rainfall accumulation |
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 6109 Cool Spring Ter S 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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