6440 Spring Forest Rd, Frederick, MD 21701 Property Records

Frederick County property record for 6440 Spring Forest Rd, Frederick, MD 21701 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 1998
Square Footage	2,548 sqft Living Area
Lot Size	24,837 sqft (0.57 acres)
Garage	Attached, 462 sqft
Occupancy	Owner Occupied
Last Sale	$625,000 (2022)
Tax Bill	$5,975.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`09-304460`
Alternative APNs	`9304460` `304460`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,548 sqft Living Area
Gross Area	3,010 sqft Gross Area
1st Floor	1,404 sqft 1st Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional Style
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	24,837 sqft (0.57 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Deck Area	195 sqft Deck
Porch	Open Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Sewage	Municipal Sewage

Location & Zoning

Account Number	304460
Street Address	6440 SPRING FOREST RD
City	FREDERICK
State	MD
Zip	21701-7634
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 453 SEC E -1C 24,837 SQ. FT. PLAT 89 SPRING RIDGE P.U.D.
Legal Subdivision	SPRING RDG SEC E-1C
Legal Lot Number	453
Jurisdiction	FREDERICK MD
Minor Civil Division	9, NEW MARKET
Census Blockgroup	1
Census Block	1001
Census Tract	751902

Owner

Source: Frederick County records · APN 09-304460

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	2 Individual Names on File
Mailing Address	6440 SPRING FOREST RD, FREDERICK, MD 21701-7634
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Oct 16, 2001 · Amount on Record
Deed Doc Number	2022
Deed Book / Page	16192 / 315
Record Refreshed	Jun 08, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 24, 2022
Property Address	6440 SPRING FOREST RD, FREDERICK, MD 21701-7634
Document Number	0161920315
Book / Page	16192 / 315
Map Reference	MB 61 PG 56
Instrument Date	Oct 21, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	SECU TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,125.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	6440 SPRING FOREST RD, FREDERICK, MD 21701-7634

Mortgage

Document Number	0016192323
Date	Oct 24, 2022
Instrument	16192/323

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 01, 2027
Change Frequency	5 Years
Min Rate At Change	2.62%
Max Rate At Change	6.62%
Index	5-Year CMT
Margin	3
Max Rate	10.6%

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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		$521,000 (+14.15%)	$590,600 (+21.47%) Land $155,100 Building $435,500
2024	$5,975.00 (+9.9%)
2023	$5,437.00	$456,433	$486,200 Land $155,100 Building $331,100

Flood & Wildfire

6440 Spring Forest Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

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

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

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.