7145 Oberlin Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7145 Oberlin Cir, Frederick, MD 21703

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 2,412 sqft · built 1993
Lot Size	0.04 acres (1,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Oct 2020)
Tax Bill	$2,725 (2025)
Deeds & Mortgages	Nov 2021 Second Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-572395`

Property Details

APN / Parcel Number

Primary APN	`28-572395`
Alternative APN	`572395`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,412 sqft Gross Area
1st Floor Area	732 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,720 sqft (0.04 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	572395
Street Address	7145 OBERLIN CIR
City	FREDERICK
State	MD
Zip	21703-9487
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R8
Legal Description	LOT 130 PLAT 1 1720 SQ FT STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	130
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1011
Census Tract	751003

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 Record	2 Individual Names on Record
Mailing Address	7145 OBERLIN CIR, FREDERICK, MD 21703-9487
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Oct 28, 2020	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Jul 21, 2005 · Amount on Record
Deed Book / Page	14214 / 247
Transfer Doc	0038460376
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7145 OBERLIN CIR, FREDERICK, MD 21703-9487
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155210244
Date	Nov 24, 2021
Book Page	15521/244

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Nov 12, 2028

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 28, 2020
Property Address	7145 OBERLIN CIR, FREDERICK, MD 21703-9487
Document Number	0142140247
Book / Page	14214 / 247
Map Reference	MB 49 PL 90
Instrument Date	Sep 18, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7145 OBERLIN CIR, FREDERICK, MD 21703-9487

Mortgage

Document Number	14214255
Date	Oct 28, 2020
Instrument	14214/255

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$324,467 (+4.53%)	$352,600 (+13.6%) Land $125,000 Building $227,600
2025	$2,725.00 (-17.1%) Homeowner's exemption	$310,400 (+18.53%) Land $90,000 Building $220,400	$310,400 (-) Land $90,000 Building $220,400
2024	$3,287.00 (+8.66%)
2023	$3,025.00 Homeowner's exemption	$261,867	$310,400 Land $90,000 Building $220,400

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Sep 2015 · 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

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.

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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