7172 Oberlin Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7172 Oberlin Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,160 sqft · built 1993
Lot Size	0.04 acres (1,720 sqft)
Owner	Individual Name on Record
Tax Bill	$3,477 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-572107`

Property Details

APN / Parcel Number

Primary APN	`28-572107`
Alternative APN	`572107`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,160 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	720 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	572107
Street Address	7172 OBERLIN CIR
City	FREDERICK
State	MD
Zip	21703-9465
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	LOT 104 PLAT 1 1720 SQ T STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	104
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1006
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	Individual Name on Record
Mailing Address	7172 OBERLIN CIR, FREDERICK, MD 21703-9465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Sep 4, 2019	Quit Claim Deed, Transfer · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019
Deed Sale	Sep 4, 2019
Prior Sale	Jul 20, 2005 · Amount on Record
Deed Book / Page	13185 / 388
Prior Transfer Date	Jun 25, 2019
Prior Transfer Doc	0131850388
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7172 OBERLIN CIR, FREDERICK, MD 21703-9465
Document Number	0136130060
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7172 OBERLIN CIR FREDERICK MD 217039465, FREDERICK, MD 21703-9465

Mortgage

Document Number	0136130060
Date	Mar 26, 2020
Book Page	013613/000060

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 4, 2019
Property Address	7172 OBERLIN CIR, FREDERICK, MD 21703-9465
Document Number	0131850388
Book / Page	013185 / 000388
Instrument Date	Jun 25, 2019
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7172 OBERLIN CIR FREDERICK MD 217039465, FREDERICK, MD 21703-9465

Mortgage

Document Number	131850396
Date	Sep 4, 2019
Book Page	013185/000396

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

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		$323,333 (+4.54%)	$351,400 (+13.61%) Land $125,000 Building $226,400
2025	$3,477.00 (+6.14%) Homeowner's exemption	$309,300 (+18.52%) Land $90,000 Building $219,300	$309,300 (-) Land $90,000 Building $219,300
2024	$3,276.00 (+8.66%)
2023	$3,015.00 Homeowner's exemption	$260,967	$309,300 Land $90,000 Building $219,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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