7176 Oberlin Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7176 Oberlin Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,936 sqft · built 1993
Lot Size	0.04 acres (1,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,000 (Apr 2020)
Tax Bill	$4,038 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-572123`

Property Details

APN / Parcel Number

Primary APN	`28-572123`
Alternative APN	`572123`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,176 sqft Living Area
Gross Area	2,416 sqft
1st Floor Area	736 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	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	572123
Street Address	7176 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 106 PLAT 1 1720 SQ FT STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	106
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	2 Individual Names on Record
Mailing Address	7176 OBERLIN CIR, FREDERICK, MD 21703-9465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 29, 2020	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2020 · Amount on Record
Deed Sale	Apr 29, 2020 · Amount on Record
Prior Sale	Aug 14, 2014 · Amount on Record
Deed Book / Page	13690 / 449
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7176 OBERLIN CIR, FREDERICK, MD 21703-9465
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7176 OBERLIN CIR, FREDERICK, MD 21703-9465

Mortgage

Document Number	0165070465
Date	Jun 30, 2023
Book Page	16507/465

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7176 OBERLIN CIR, FREDERICK, MD 21703-9465
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0118820252
Date	Jun 21, 2017
Book Page	11882/0252
Instrument	11882-0252

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 29, 2020
Property Address	7176 OBERLIN CIR, FREDERICK, MD 21703-9465
Document Number	0136900449
Book / Page	013690 / 000449
Instrument Date	Apr 24, 2020
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7176 OBERLIN CIR FREDERICK MD 217039465, FREDERICK, MD 21703-9465

Mortgage

Document Number	136900456
Date	Apr 29, 2020
Book Page	013690/000456

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 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		$337,500 (+23.94%)	$365,900 (+13.18%) Land $125,000 Building $240,900
2025	$4,038.00 (+23.15%)
2023	$3,279.00	$272,300	$323,300 Land $90,000 Building $233,300

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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