6454 Bannister Ct, Frederick, MD 21701 Property Records

Frederick County property record for 6454 Bannister Ct, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,106 sqft · built 1999
Lot Size	0.282 acres (12,267 sqft)
Owner	2 Individual Names on File
Last Sale	$492,500 (Jun 2018)
Tax Bill	$7,900 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-309314`

Property Details

APN / Parcel Number

Primary APN	`09-309314`
Alternative APNs	`9309314` `309314`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,106 sqft Living Area
Gross Area	4,546 sqft
1st Floor Area	1,576 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,267 sqft (0.282 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	254 sqft
Patio Area	508 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	309314
Street Address	6454 BANNISTER CT
City	FREDERICK
State	MD
Zip	21701-7685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 494 SECT. E1-C PLAT 104-12,267 SQ. FT. SPRING RIDGE PUD
Legal Subdivision	SPRING RDG SEC E1-C
Legal Lot Number	494
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1008
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

6454 Bannister Ct is owned and occupied by two individuals who bought it in June 2018.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit DEPARTMENT OF HOUSING & URBAN DEV
Aug 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 3, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Oct 29, 2020	Loan Modification, Mortgage · FHA Mortgage FLAGSTAR BK
Jul 17, 2020	Loan Modification, Mortgage · FHA Mortgage FLAGSTAR BK
Jun 29, 2018	Grant Deed, Transfer · FHA Mortgage CITY LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Jul 6, 2009 · Amount on File
Deed Book / Page	12497 / 234
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0166140075
Date	Sep 27, 2023
Book Page	16614/75

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685

Mortgage

Document Number	0139830347
Date	Aug 14, 2020
Book Page	13983/347

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0161600103
Date	Oct 3, 2022
Book Page	16160/103

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Document Number	0142990475
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6454 BANNISTER CT FREDERICK MD 217017685, FREDERICK, MD 21701-7685

Mortgage

Document Number	0142990475
Date	Nov 25, 2020
Book Page	014299/000475

Lender

Name	FLAGSTAR BK
Type	Bank
Address	FARMERS BRANCH, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Document Number	0140050221
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6454 BANNISTER CT FREDERICK MD 217017685, FREDERICK, MD 21701-7685

Mortgage

Document Number	0140050221
Date	Aug 21, 2020
Book Page	014005/000221

Lender

Name	FLAGSTAR BK
Type	Bank
Address	FARMERS BRANCH, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Interest

Rate	3.87%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2018
Property Address	6454 BANNISTER CT, FREDERICK, MD 21701-7685
Document Number	0124970234
Book / Page	012497 / 000234
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$493.00
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	6454 BANNISTER CT FREDERICK MD 217017685, FREDERICK, MD 21701-7685

Mortgage

Document Number	124970242
Date	Jun 29, 2018
Book Page	012497/000242

Lender

Name	CITY LENDING INC
Type	Bank
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6454 Bannister Ct was $7,900.

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		$681,700 (+6.63%)	$724,100 (-) Land $151,800 Building $572,300
2025	$7,900.00	$639,300	$724,100 Land $151,800 Building $572,300
2023	$6,663.00	$561,067	$596,900 Land $151,800 Building $445,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6454 Bannister Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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

Wildfire risk around 6454 Bannister Ct is low, with a 0.01% annual chance of 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	Indirect within ember reach

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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