6220 White Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 6220 White Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,152 sqft · built 1986
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Oct 2020)
Tax Bill	$5,592 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-257217`

Property Details

APN / Parcel Number

Primary APN	`09-257217`
Alternative APNs	`9257217` `257217`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,152 sqft Living Area
Gross Area	2,706 sqft
1st Floor Area	1,201 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Attached
Garage Area	554 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Deck Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	257217
Street Address	6220 WHITE OAK DR
City	FREDERICK
State	MD
Zip	21701-6753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1, BLK. E 1.15 AC N/S QUINN RD. OAK ACRES SUB
Legal Subdivision	OAK ACRES SUB
Legal Block	E
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2003
Census Tract	751902

Owner

Source: Frederick County records · APN 09-257217

Assessment roll updated August 4, 2025 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	6220 WHITE OAK DR, FREDERICK, MD 21701-6753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 14, 2020	Special Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 17, 2020	Loan Modification, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Aug 09, 2013 · Amount on Record
Deed Book / Page	14172 / 190
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6220 WHITE OAK DR, FREDERICK, MD 21701-6753
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126840340
Date	Oct 25, 2018
Book Page	12684/0340

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 14, 2020
Property Address	6220 WHITE OAK DR, FREDERICK, MD 21701-6753
Document Number	0141720190
Book / Page	14172 / 190
Map Reference	MB 7 PL 16
Instrument Date	Oct 08, 2020
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	HOUSEHOLD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	6220 WHITE OAK DR, FREDERICK, MD 21701-6753

Mortgage

Document Number	14172198
Date	Oct 14, 2020
Instrument	14172/198

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	6220 WHITE OAK DR, FREDERICK, MD 21701-6753
Document Number	0138670342
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6220 WHITE OAK DR FREDERICK MD 217016753, FREDERICK, MD 21701-6753

Mortgage

Document Number	0138670342
Date	Jul 01, 2020
Book Page	013867/000342

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,592.00 (+15.11%) Homeowner's exemption	$495,567 (+16.77%)	$575,900 (+26.46%) Land $212,000 Building $363,900
2023	$4,858.00 Homeowner's exemption	$424,400	$455,400 Land $146,300 Building $309,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 96 locations within half a mile · Last verified October 2026

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

May also be available: AT&T, Verizon.

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