Frederick County property record for 6125 Cool Spring Ter N, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,388 sqft · built 1990 |
| Lot Size | 0.238 acres (10,383 sqft) |
| Owner | Individual Name on File |
| Last Sale | $439,900 (Feb 2020) |
| Tax Bill | $5,371 (2023) |
| Deeds & Mortgages | Mar 2023 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-276602 |
| Primary APN | 09-276602 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,388 sqft Total Area |
| 1st Floor Area | 1,384 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,383 sqft (0.238 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 114 sqft |
| Patio Area | 114 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 276602 |
|---|---|
| Old Parcel Number | 9276602 |
| Street Address | 6125 COOL SPRING TER N |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 66 SEC A PLAT 16 10,383 SQ. FT. SPRING RIDGE PUD |
| Legal Subdivision | SPRING RIDGE PUD |
| Legal Lot Number | 66 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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.
6125 Cool Spring Ter N is owned and occupied by an individual who bought it in February 2020.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| 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 2, 2023 | Deed of Trust, Mortgage · Line of Credit FULTON BANK NA |
| Nov 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Feb 11, 2020 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Jul 25, 2017 | Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2020 · Amount on File |
| Deed Sale | Feb 11, 2020 · Amount on File |
| Prior Sale | Jul 25, 2017 · Amount on File |
| Deed Document Number | 0013521194 |
| Deed Book / Page | 13521 / 194 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 0163470334 |
|---|---|
| Date | Mar 2, 2023 |
| Book Page | 16347/334 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, MD 21029 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Title Company | EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC |
| Name | Verified Name |
|---|---|
| Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 0154570153 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 15457/153 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 11, 2020 |
| Property Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 0135210194 |
| Book / Page | 13521 / 0194 |
| Map Reference | MB 42 PG 143 |
| Instrument Date | Feb 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | UNITED TITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,199.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 135210201 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 13521/0201 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 25, 2017 |
| Property Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 0119410285 |
| Book / Page | 11941 / 0285 |
| Map Reference | MB42 PG143 |
| Instrument Date | Jul 13, 2017 |
| Instrument | 11941-0285 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,124.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 6125 COOL SPRING TER N, FREDERICK, MD 21701-4707 |
| Document Number | 119410292 |
|---|---|
| Date | Jul 25, 2017 |
| Instrument | 11941-0292 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $5,371.00 | $450,833 | $481,700 Land $151,400 Building $330,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6125 Cool Spring Ter N 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 6125 Cool Spring Ter N 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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