6232 White Oak Dr, Frederick, MD 21701 Property Records

Frederick County property record for 6232 White Oak Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,925 sqft · built 1974
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Oct 2025)
Tax Bill	$4,779 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-243119`

Property Details

APN / Parcel Number

Primary APN	`09-243119`
Alternative APNs	`9243119` `243119`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,925 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	176 sqft
Deck Area	120 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	243119
Street Address	6232 WHITE OAK DR
City	FREDERICK
State	MD
Zip	21701-6721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 6 B B S 2.90 AC SE/S WHITE OAK DR OAK ACRES
Legal Subdivision	OAK ACRES
Legal Block	B
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2003
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 August 7, 2026

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	6232 WHITE OAK DR, FREDERICK, MD 21701-6721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Oct 23, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Mar 12, 1997
Deed Book / Page	17573 / 398
Prior Transfer Date	Oct 4, 2023
Prior Transfer Doc	0166450061
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 24, 2025
Property Address	6232 WHITE OAK DR, FREDERICK, MD 21701-6721
Document Number	0175730398
Book / Page	17573 / 398
Map Reference	MB 5 FO 183
Instrument Date	Sep 25, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,050.00
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 by the Entirety
Address	6232 WHITE OAK DR, FREDERICK, MD 21701-6721

Mortgage

Document Number	0017573404
Date	Oct 24, 2025
Instrument	17573/404

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 23, 2023
Property Address	6232 WHITE OAK DR, FREDERICK, MD 21701-6721
Document Number	0166450061
Book / Page	16645 / 61
Map Reference	MB 5 FO 183
Instrument Date	Oct 4, 2023
Transaction Type	Transfer
Record Updated	Nov 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	Joint Tenants with Right of Survivorship
Address	6232 WHITE OAK DR, FREDERICK, MD 21701-6721

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$462,367 (+9.14%)	$501,100 (-) Land $203,200 Building $297,900
2025	$4,779.00 (+6.25%) Homeowner's exemption	$423,633 (+17.91%)	$501,100 (+30.19%) Land $203,200 Building $297,900
2024	$4,498.00 (+8.36%)
2023	$4,151.00 Homeowner's exemption	$359,300	$384,900 Land $141,900 Building $243,000

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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