6581 Duncan Pl, Frederick, MD 21703 Property Records

Frederick County property record for 6581 Duncan Pl, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details3.5 ba · 2,176 sqft · built 2002
Lot Size0.063 acres (2,745 sqft)
Owner2 Individual Names on Record
Last Sale$445,000 (Jul 2024)
Tax Bill$4,443 (2025)
Deeds & MortgagesDec 2019 Mortgage
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-035568

Property Details

APN / Parcel Number

Primary APN01-035568
Alternative APNs
  • 1035568
  • 035568

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,176 sqft Living Area
1st Floor Area776 sqft
Basement Area650 sqft
Finished Basement650 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,745 sqft (0.063 acres)
Deck Area290 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number035568
Street Address6581 DUNCAN PL
CityFREDERICK
StateMD
Zip21703-6854
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 385 SECTION 2 PLAT 17-2,745 SQ. FT. WELLINGTON TRACE
Legal SubdivisionWELLINGTON TRACE
Legal Block3
Legal Lot Number385
JurisdictionFREDERICK MD
Township / Civil Division1, BUCKEYSTOWN
Census Block Group3
Census Block3005
Census Tract752301

Owner

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 Record2 Individual Names on Record
Mailing Address6581 DUNCAN PL, FREDERICK, MD 21703-6854
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Dec 12, 2019Deed of Trust, Mortgage · FHA Mortgage
1ST RATE HOME MORTGAGE INC
Nov 5, 2021Deed, Transfer · Conventional Mortgage
APEX HOME LOANS INC
Dec 13, 2017Deed, Transfer · FHA Mortgage
1ST ALLIANCE LENDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2024 · Amount on Record
Deed SaleJul 30, 2024 · Amount on Record
Prior SaleNov 5, 2021 · Amount on Record
Deed Book / Page16961 / 34
Record UpdatedOct 29, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address6581 DUNCAN PL, FREDERICK, MD 21703-6854
Transaction TypeMortgage
Record UpdatedOct 27, 2022
Title CompanySYNRGO INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0133970188
DateDec 12, 2019
Book Page13397/0188
Lender
Name1ST RATE HOME MORTGAGE INC
TypeMortgage Company
AddressTEMPE, AZ 85283
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueNov 1, 2049

November 2021: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateNov 5, 2021
Property Address6581 DUNCAN PL, FREDERICK, MD 21703-6854
Document Number0154720154
Book / Page15472 / 154
Map ReferenceMB 67 PG 70
Instrument DateOct 21, 2021
Transaction TypeTransfer
Record UpdatedNov 18, 2021
Title CompanyLAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,895.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6581 DUNCAN PL, FREDERICK, MD 21703-6854

Mortgage

Document Number15472161
DateNov 5, 2021
Instrument15472/161
Lender
NameAPEX HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2051

December 2017: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateDec 13, 2017
Property Address6581 DUNCAN PL, FREDERICK, MD 21703-6854
Document Number0121800468
Book / Page12180 / 0468
Map ReferenceMB67 PG70
Instrument DateAug 21, 2017
Instrument12180-0468
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyRGS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,264.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address6581 DUNCAN PL, FREDERICK, MD 21703-6854

Mortgage

Document Number121800474
DateDec 13, 2017
Instrument12180-0474
Lender
Name1ST ALLIANCE LENDING LLC
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term357 Months
DueSep 1, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed 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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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.

Wildfire

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

Wildfire RiskNot rated
no burnable land 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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 567 locations within half a mile, as of December 31, 2025

ProviderMax 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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