Frederick County property record for 6576 Whetstone Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,574 sqft · built 1986 |
| Lot Size | 0.213 acres (9,281 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (May 2022) |
| Tax Bill | $5,495 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-551509 |
| Primary APN | 28-551509 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 2,246 sqft |
| 1st Floor Area | 1,074 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,281 sqft (0.213 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 196 sqft |
| Deck Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 551509 |
|---|---|
| Street Address | 6576 WHETSTONE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-8612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT 707 SEC 12 PL 1 9281 SQ FT FARMBROOK |
| Legal Subdivision | FARMBROOK SEC 12 1 |
| Legal Lot Number | 707 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 751002 |
Source: Frederick County records, as of August 7, 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 Record |
|---|---|
| Mailing Address | 6576 WHETSTONE DR, FREDERICK, MD 21703-8612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2022 | Deed, Transfer · FHA Mortgage TOWNE BANK MORTGAGE |
| Jul 23, 2019 | Grant Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on Record |
| Deed Sale | May 25, 2022 · Amount on Record |
| Prior Sale | Jul 23, 2019 · Amount on Record |
| Deed Book / Page | 15939 / 391 |
| Prior Transfer Date | Oct 24, 2015 |
| Prior Transfer Doc | 0108390172 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 25, 2022 |
| Property Address | 6576 WHETSTONE DR, FREDERICK, MD 21703-8612 |
| Document Number | 0159390391 |
| Book / Page | 15939 / 391 |
| Map Reference | MB 29 PL 199 |
| Instrument Date | May 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Title Company | AMERIKOR TITLE ESCROW LLC, AMERIKOR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6576 WHETSTONE DR, FREDERICK, MD 21703-8612 |
| Document Number | 0015939396 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 15939/396 |
| Name | TOWNE BANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 23, 2019 |
| Property Address | 6576 WHETSTONE DR, FREDERICK, MD 21703-8612 |
| Document Number | 0130990059 |
| Book / Page | 013099 / 000059 |
| Instrument Date | Jul 18, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2019 |
| Title Company | VILLAGE SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6576 WHETSTONE DR FREDERICK MD 217038612, FREDERICK, MD 21703-8612 |
| Document Number | 130990069 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 013099/000069 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2049 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $462,900 (+4.61%) | $503,700 (+13.83%) Land $157,300 Building $346,400 | |
| 2025 | $5,495.00 (+11.89%) | $442,500 (+24.94%) Land $112,300 Building $330,200 | $442,500 (-) Land $112,300 Building $330,200 |
| 2024 | $4,911.00 (+15.88%) | ||
| 2023 | $4,238.00 | $354,167 | $442,500 Land $112,300 Building $330,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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