6401 White Oak Ct, Frederick, MD 21701 Property Records

Frederick County property record for 6401 White Oak Ct, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,308 sqft · built 1971
Lot Size	1.69 acres (73,616 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Nov 2018)
Tax Bill	$7,369 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2020 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`09-257209`

Property Details

APN / Parcel Number

Primary APN	`09-257209`
Alternative APNs	`9257209` `257209`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	4,308 sqft Living Area
Gross Area	5,204 sqft
1st Floor Area	3,308 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	73,616 sqft (1.69 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	112 sqft
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	257209
Street Address	6401 WHITE OAK CT
City	FREDERICK
State	MD
Zip	21701-6759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 3 B D S 4 1.69 AC WHITE OAK DR. OAK ACRES
Legal Subdivision	OAK ACRES
Legal Block	D
Legal Lot Number	3
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 09-257209

Assessment roll updated August 4, 2025 · Last verified May 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 File
Mailing Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREDERICK COUNTY BANK
Sep 29, 2020	Deed of Trust, Mortgage · Line of Credit FCB BK
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage WISNER BETSY L TRUST (PT)
Nov 16, 2018	Trustee's Deed, Construction Loan · Line of Credit FREDERICK CNTY BK
Nov 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage WISNER BETSY L TRUST (PT)
Nov 16, 2018	Grant Deed, Transfer ATTORNEY ONLY
May 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Aug 29, 1995 · Amount on Record
Deed Book / Page	12714 / 83
Prior Transfer Date	May 04, 2018
Prior Transfer Doc	0124140490
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 24, 2026
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	1783000192
Book / Page	17834 / 192
Instrument Date	Apr 08, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759

Mortgage

Document Number	1783000192,
Date	Apr 24, 2026
Book Page	17834/192

Lender

Name	MIDDLETOWN VALLEY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136730482
Date	Apr 22, 2020
Book Page	13673/482

Lender

Name	FCB BANKS
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130860344
Date	Jul 16, 2019
Book Page	13086/0344

Lender

Name	FREDERICK COUNTY BANK
Type	Bank
Address	FREDERICK, MD 21701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0142150460
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 WHITE OAK CT FREDERICK MD 217016759, FREDERICK, MD 21701-6759

Mortgage

Document Number	0142150460
Date	Oct 28, 2020
Book Page	014215/000460

Lender

Name	FCB BK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 27, 2040

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0131090364
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 09, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 WHITE OAK CT FREDERICK MD 217016759, FREDERICK, MD 21701-6759

Mortgage

Document Number	0131090364
Date	Jul 29, 2019
Book Page	013109/000364

Lender

Name	WISNER BETSY L TRUST (PT)
Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2018
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0127140088
Book / Page	012714 / 000088
Instrument Date	Nov 14, 2018
Transaction Type	Construction Loan
Record Updated	Nov 29, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 MOHICAN DR FREDERICK MD 217014705, FREDERICK, MD 21701-4705

Mortgage

Document Number	127140088
Date	Nov 16, 2018
Book Page	012714/000088

Lender

Name	FREDERICK CNTY BK
Type	Bank
Address	FREDERICK, MD 21702

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0127140098
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 WHITE OAK CT FREDERICK MD 217016759, FREDERICK, MD 21701-6759

Mortgage

Document Number	0127140098
Date	Nov 16, 2018
Book Page	012714/000098

Lender

Name	WISNER BETSY L TRUST (PT)
Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2018
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0127140083
Book / Page	012714 / 000083
Instrument Date	Nov 14, 2018
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$195.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	422 MOHICAN DR FREDERICK MD 217014705, FREDERICK, MD 21701-4705

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	May 15, 2018
Property Address	6401 WHITE OAK CT, FREDERICK, MD 21701-6759
Document Number	0124140490
Book / Page	012414 / 000490
Instrument Date	May 04, 2018
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6401 WHITE OAK CT FREDERICK MD 217016759, FREDERICK, MD 21701-6759

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified May 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		$667,733 (+12.78%)	$739,000 (+16.91%) Land $217,400 Building $521,600
2024	$7,369.00 (+8.46%)
2023	$6,794.00 Homeowner's exemption	$592,067	$632,100 Land $151,200 Building $480,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 as of August 1, 2026 · 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 as of December 31, 2025 · 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.

Based on FCC filings for 96 locations within half a mile of this property.

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