7189 Stillwater Ct, Frederick, MD 21702 Property Records

Frederick County property record for 7189 Stillwater Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,957 sqft · built 1983
Lot Size	0.351 acres (15,295 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,422 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-411892`

Property Details

APN / Parcel Number

Primary APN	`21-411892`
Alternative APN	`411892`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,957 sqft Living Area
Gross Area	3,629 sqft
1st Floor Area	1,405 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,295 sqft (0.351 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	216 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	411892
Street Address	7189 STILLWATER CT
City	FREDERICK
State	MD
Zip	21702-2988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 121 PLAT 3 SECT 1 15295 SQ FT STILLWATER COURT
Legal Subdivision	CLOVER HILL II 3 SEC 1
Legal Lot Number	121
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	2
Census Block	2020
Census Tract	751201

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Frederick County records, as of August 4, 2025

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	7189 STILLWATER CT, FREDERICK, MD 21702-2988
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · VA Mortgage RESIDENTIAL MORTGAGE SERVICES
Oct 8, 2019	Intrafamily Transfer, Transfer · VA Mortgage RESIDENTIAL MORTGAGE SERVICES
Sep 11, 2018	Deed, Transfer · VA Mortgage RESIDENTIAL MORTGAGE SERVICE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2019
Deed Sale	Oct 8, 2019
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Book / Page	13260 / 491
Prior Transfer Date	Sep 25, 2019
Prior Transfer Doc	0132600491
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988

Mortgage

Document Number	0147540263
Date	Apr 9, 2021
Book Page	14754/263

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 8, 2019
Property Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988
Document Number	0132600491
Book / Page	13260 / 0491
Map Reference	MB 23 PL 180
Instrument Date	Sep 25, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988

Mortgage

Document Number	132600496
Date	Oct 8, 2019
Instrument	13260/0496

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 11, 2018
Property Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988
Document Number	0126140248
Book / Page	12614 / 0248
Map Reference	MB23 PL180
Instrument Date	Sep 5, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,066.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7189 STILLWATER CT, FREDERICK, MD 21702-2988

Mortgage

Document Number	0012614256
Date	Sep 11, 2018
Instrument	12614/256

Lender

Name	RESIDENTIAL MORTGAGE SERVICE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$506,033 (+21.15%)	$550,200 (+31.72%) Land $116,300 Building $433,900
2024	$5,422.00 (+8.81%)
2023	$4,983.00 Homeowner's exemption	$417,700 Land $79,200 Building $338,500	$417,700 Land $79,200 Building $338,500

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · other causes

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	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Glo Fiber.

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