7149 Oberlin Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7149 Oberlin Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,948 sqft · built 1993
Lot Size	0.059 acres (2,580 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,000 (Nov 2025)
Tax Bill	$4,102 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-572379`

Property Details

APN / Parcel Number

Primary APN	`28-572379`
Alternative APN	`572379`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,188 sqft Living Area
Gross Area	2,428 sqft
1st Floor Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,580 sqft (0.059 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	572379
Street Address	7149 OBERLIN CIR
City	FREDERICK
State	MD
Zip	21703-9487
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	LOT 128 PLAT 1 2580 SQ FT STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	128
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	7149 OBERLIN CIR, FREDERICK, MD 21703-9487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Nov 26, 2025	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 12, 2018	Deed of Trust, Mortgage · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on Record
Deed Sale	Nov 26, 2025 · Amount on Record
Prior Sale	Dec 5, 2014 · Amount on Record
Deed Book / Page	17620 / 471
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7149 OBERLIN CIR, FREDERICK, MD 21703-9487
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	UNKNOWN, MAMMOTH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151720312
Date	Aug 9, 2021
Book Page	15172/312

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 26, 2025
Property Address	7149 OBERLIN CIR, FREDERICK, MD 21703-9487
Document Number	0176200471
Book / Page	17620 / 471
Map Reference	MB 49 PG 90
Instrument Date	Nov 24, 2025
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	REALTY TITLE INC, REALTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7149 OBERLIN CIR, FREDERICK, MD 21703-9487

Mortgage

Document Number	0017620479
Date	Nov 26, 2025
Instrument	17620/479

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7149 OBERLIN CIR, FREDERICK, MD 21703-9487
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127530135
Date	Dec 12, 2018
Book Page	12753/0135

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2033

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7149 OBERLIN CIR, FREDERICK, MD 21703-9487
Document Number	0133220461
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7149 OBERLIN CIR FREDERICK MD 217039487, FREDERICK, MD 21703-9487

Mortgage

Document Number	0133220461
Date	Nov 6, 2019
Book Page	013322/000461

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2034

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		$340,600 (+3.68%)	$364,800 (+11.05%) Land $125,000 Building $239,800
2025	$4,102.00 (+23.7%)	$328,500 (+19.27%) Land $90,000 Building $238,500	$328,500 (-) Land $90,000 Building $238,500
2023	$3,316.00	$275,433	$328,500 Land $90,000 Building $238,500

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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