6209 White Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 6209 White Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,505 sqft · built 1967
Lot Size	0.91 acres (39,639 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Sep 2018)
Tax Bill	$4,516 (2024)
Deeds & Mortgages	May 2022 Transfer Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-226559`

Property Details

APN / Parcel Number

Primary APN	`09-226559`
Alternative APNs	`9226559` `226559`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,505 sqft Living Area
1st Floor Area	1,305 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	39,639 sqft (0.91 acres)
Garage Type	Carport
Garage Area	396 sqft
Carport	Carport
Carport Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	360 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	226559
Street Address	6209 WHITE OAK DR
City	FREDERICK
State	MD
Zip	21701-6745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 8 SEC 1 0.915 AC N/S HALL RD., OAK ACRES
Legal Subdivision	AMENDED PLAT OF OAK ACRES
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2004
Census Tract	751902

Historic Designation

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.

Owner

Source: Frederick County records, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Gift Deed, Transfer
Mar 13, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Jun 6, 2019	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Sep 24, 2018	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
May 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on Record
Deed Sale	Sep 24, 2018 · Amount on Record
Deed Book / Page	12634 / 343
Last Transfer Date	Apr 22, 2022
Transfer Doc	0159300496
Record Updated	Jun 8, 2026

May 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FREDERICK MD
Recording Date	May 19, 2022
Property Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Document Number	0159300496
Book / Page	15930 / 496
Map Reference	MB 5 PL 124
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Document Number	0137070203
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6209 WHITE OAK DR FREDERICK MD 217016745, FREDERICK, MD 21701-6745

Mortgage

Document Number	0137070203
Date	May 5, 2020
Book Page	013707/000203

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Document Number	0130590219
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6209 WHITE OAK DR FREDERICK MD 217016745, FREDERICK, MD 21701-6745

Mortgage

Document Number	0130590219
Date	Jun 27, 2019
Book Page	013059/000219

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2049

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 24, 2018
Property Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Document Number	0126340343
Book / Page	12634 / 0343
Map Reference	MB5 PL124
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745

Mortgage

Document Number	0012634352
Date	Sep 24, 2018
Instrument	12634/352

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6209 WHITE OAK DR, FREDERICK, MD 21701-6745
Document Number	0124650157
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6209 WHITE OAK DR FREDERICK MD 217016745, FREDERICK, MD 21701-6745

Mortgage

Document Number	0124650157
Date	Jun 14, 2018
Book Page	012465/000157

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$459,200 (+13.94%)	$515,800 (+19.7%) Land $203,600 Building $312,200
2024	$4,516.00 (+8.35%)
2023	$4,168.00 Homeowner's exemption	$403,033	$430,900 Land $142,200 Building $288,700

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

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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