Frederick County property record for 6581 Duncan Pl, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,176 sqft · built 2002 |
| Lot Size | 0.063 acres (2,745 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $445,000 (Jul 2024) |
| Tax Bill | $4,443 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-035568 |
| Primary APN | 01-035568 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| 1st Floor Area | 776 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,745 sqft (0.063 acres) |
| Deck Area | 290 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 035568 |
|---|---|
| Street Address | 6581 DUNCAN PL |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6854 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 385 SECTION 2 PLAT 17-2,745 SQ. FT. WELLINGTON TRACE |
| Legal Subdivision | WELLINGTON TRACE |
| Legal Block | 3 |
| Legal Lot Number | 385 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 752301 |
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 | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage 1ST RATE HOME MORTGAGE INC |
| Nov 5, 2021 | Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC |
| Dec 13, 2017 | Deed, Transfer · FHA Mortgage 1ST ALLIANCE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2024 · Amount on Record |
| Deed Sale | Jul 30, 2024 · Amount on Record |
| Prior Sale | Nov 5, 2021 · Amount on Record |
| Deed Book / Page | 16961 / 34 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | SYNRGO INC |
| Name | Verified Name |
|---|
| Document Number | 0133970188 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 13397/0188 |
| Name | 1ST RATE HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85283 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 5, 2021 |
| Property Address | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Document Number | 0154720154 |
| Book / Page | 15472 / 154 |
| Map Reference | MB 67 PG 70 |
| Instrument Date | Oct 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,895.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Document Number | 15472161 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 15472/161 |
| Name | APEX HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 13, 2017 |
| Property Address | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Document Number | 0121800468 |
| Book / Page | 12180 / 0468 |
| Map Reference | MB67 PG70 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 12180-0468 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,264.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 6581 DUNCAN PL, FREDERICK, MD 21703-6854 |
| Document Number | 121800474 |
|---|---|
| Date | Dec 13, 2017 |
| Instrument | 12180-0474 |
| Name | 1ST ALLIANCE LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 1, 2047 |
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 | $393,767 (+31.07%) | $431,100 (+35.1%) Land $105,000 Building $326,100 | |
| 2025 | $4,443.00 (+23.11%) | ||
| 2023 | $3,609.00 | $300,433 | $319,100 Land $95,000 Building $224,100 |
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 · 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 | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 567 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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