Frederick County property record for 7096 Shale Ct, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,570 sqft · built 1978 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,517 (Jun 2023) |
| Tax Bill | $3,592 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-137163 |
| Primary APN | 03-137163 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,570 sqft Living Area |
| 1st Floor Area | 820 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Deck Area | 162 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 137163 |
|---|---|
| Street Address | 7096 SHALE CT |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 19 SECT 2-A BLK H .44 AC SHALE CRT. FOUNTAINDALE SOUTH |
| Legal Subdivision | FOUNTAINDALE SOUTH |
| Legal Block | H |
| Legal Lot Number | 19 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 752603 |
7096 Shale Ct is owned and occupied by an individual who bought it in June 2023.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7096 SHALE CT, MIDDLETOWN, MD 21769-7418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2023 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Nov 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on File |
| Deed Sale | Jun 29, 2023 · Amount on File |
| Prior Sale | Jun 28, 2016 · Amount on File |
| Deed Book / Page | 16503 / 91 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 29, 2023 |
| Property Address | 7096 SHALE CT, MIDDLETOWN, MD 21769-7418 |
| Document Number | 0165030091 |
| Book / Page | 16503 / 91 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Jun 12, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $976.29 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 7096 SHALE CT, MIDDLETOWN, MD 21769-7418 |
| Document Number | 0001650398 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 16503/98 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 7096 SHALE CT, MIDDLETOWN, MD 21769-7418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0121430474 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 12143/0474 |
| Instrument | 12143-0474 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 7096 Shale Ct was $3,592 with a homeowner's exemption, down 1.5% from the year before.
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 | $365,900 (+10.92%) Land $114,900 Building $251,000 | $365,900 (-) Land $114,900 Building $251,000 | |
| 2025 | $3,592.00 (-1.48%) Homeowner's exemption | $329,867 | $365,900 Land $114,900 Building $251,000 |
| 2024 | $3,646.00 (+17.27%) | ||
| 2023 | $3,109.00 (+3.77%) | $257,800 (+3.87%) Land $82,200 Building $175,600 | $257,800 (-) Land $82,200 Building $175,600 |
| 2022 | $2,996.00 | $248,200 | $257,800 Land $82,200 Building $175,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7096 Shale Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · tidal / storm surge |
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 risk around 7096 Shale 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 | None beyond 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 | FOUNTAINDALE SOUTH serves 2,610 people · EPA ID MD0100013 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2015–2017) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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