6404 Oakley Ter, Frederick, MD 21701 Property Records

Frederick County property record for 6404 Oakley Ter, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,086 sqft · built 2000
Lot Size	0.188 acres (8,207 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,435 (Sep 2000)
Tax Bill	$4,644 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-310754`

Property Details

APN / Parcel Number

Primary APN	`09-310754`
Alternative APNs	`9310754` `310754`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,086 sqft Total Area
1st Floor Area	970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,207 sqft (0.188 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	35 sqft
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	310754
Old Parcel Number	9310754
Street Address	6404 OAKLEY TER
City	FREDERICK
State	MD
Zip	21701-7683
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 1190 SECTION E1D 8,207 SQ. FT. SPRING RIDGE PUD
Legal Subdivision	SPRING RIDGE PUD
Legal Lot Number	1190
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1001
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 25, 2023

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	6404 OAKLEY TER, FREDERICK, MD 21701-7683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 16, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2000 · Amount on Record
Deed Sale	Sep 5, 2000 · Amount on Record
Prior Sale	May 16, 2000 · Amount on Record
Deed Document Number	005609
Deed Book / Page	2753 / 871
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6404 OAKLEY TER, FREDERICK, MD 21701-7683
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152530046
Date	Sep 1, 2021
Book Page	15253/46

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6404 OAKLEY TER, FREDERICK, MD 21701-7683
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144870477
Date	Jan 26, 2021
Book Page	14487/477

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6404 OAKLEY TER, FREDERICK, MD 21701-7683
Document Number	0134740360
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6404 OAKLEY TER FREDERICK MD 217017683, FREDERICK, MD 21701-7683

Mortgage

Document Number	0134740360
Date	Jan 21, 2020
Book Page	013474/000360

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$4,644.00 Homeowner's exemption	$396,833	$419,300 Land $130,800 Building $288,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2018 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 407 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: Verizon.

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