Frederick County property record for 6401 Oakley Ter, Frederick, MD 21701 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 2,185 sqft Living Area |
| Lot Size | 5,356 sqft (0.123 acres) |
| Garage | Attached, 231 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $287,500 (2003) |
| Tax Bill | $4,965.00 (2024) |
| Primary APN | 09-310797 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,185 sqft Living Area |
| Gross Area | 2,416 sqft Gross Area |
| 1st Floor | 986 sqft 1st Floor |
| Basement Area | 400 sqft Basement |
| Finished Basement | 400 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,356 sqft (0.123 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 231 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Account Number | 310797 |
|---|---|
| Street Address | 6401 OAKLEY TER |
| City | FREDERICK |
| State | MD |
| Zip | 21701-7683 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 1194 SECTION E1D 5,356 SQ. FT. SPRING RIDGE PUD |
| Legal Subdivision | SPRING RDG PUD SEC E-1D |
| Legal Lot Number | 1194 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 9, NEW MARKET |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 751902 |
Source: Frederick County records · APN 09-310797
Assessment roll updated August 4, 2025 · Last verified April 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 | 6401 OAKLEY TER, FREDERICK, MD 21701-7683 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Commercial Mortgage MANUFACTURERS & TRADERS TRUST CO |
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Jan 26, 2018 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2003 · Amount on Record |
| Deed Sale | Oct 15, 2003 · Amount on Record |
| Prior Sale | Aug 02, 2000 · Amount on Record |
| Deed Doc Number | 20037715 |
| Deed Book / Page | 4185 / 241 |
| Last Transfer Date | Jan 31, 2013 |
| Transfer Doc | 0093970218 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6401 OAKLEY TER, FREDERICK, MD 21701-7683 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0163280252 |
|---|---|
| Date | Feb 13, 2023 |
| Book Page | 16328/252 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6401 OAKLEY TER, FREDERICK, MD 21701-7683 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SETTLEMENT MATTERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0156490107 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 15649/107 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6401 OAKLEY TER, FREDERICK, MD 21701-7683 |
| Document Number | 0122920370 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6401 OAKLEY TER FREDERICK MD 217017683, FREDERICK, MD 21701-7683 |
| Document Number | 0122920370 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 012292/000370 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $427,733 (+12.41%) | $477,600 (+18.57%) Land $130,000 Building $347,600 | |
| 2024 | $4,965.00 (+9.19%) | ||
| 2023 | $4,547.00 | $380,500 | $402,800 Land $130,000 Building $272,800 |
6401 Oakley Ter is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
Source: NPS National Register of Historic Places · August 1, 2026 release
| 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.
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