7984 Schooner Ct, Frederick, MD 21701 Property Records

Frederick County property record for 7984 Schooner Ct, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 1,784 sqft · built 1985
Lot Size	0.068 acres (2,973 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2019)
Tax Bill	$3,400 (2023)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-552319`

Property Details

APN / Parcel Number

Primary APN	`28-552319`
Alternative APN	`552319`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,784 sqft Total Area
1st Floor Area	688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,973 sqft (0.068 acres)
Garage Type	Built-in
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	320 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	552319
Street Address	7984 SCHOONER CT
City	FREDERICK
State	MD
Zip	21701-3273
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 56 S 1 PL 2 BLK E 2973 SQ FT SCHOONER CRT WATERSIDE
Legal Subdivision	WATERSIDE
Legal Block	E
Legal Lot Number	56
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4005
Census Tract	750802

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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST FEDERAL CREDIT UNION
Aug 7, 2017	Deed of Trust, Mortgage · FHA Mortgage GOLDWATER BANK NA
Aug 12, 2019	Deed, Transfer · Conventional Mortgage NORTHWEST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Sep 14, 2015 · Amount on Record
Deed Document Number	0001313965
Deed Book / Page	13139 / 65
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 29, 2026
Property Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273
Document Number	1797000264
Book / Page	17978 / 264
Instrument Date	Jul 15, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273

Mortgage

Document Number	1797000264,
Date	Jul 29, 2026
Book Page	17978/264

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 20, 2051

Interest

Rate	6.47%
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0119630431
Date	Aug 7, 2017
Book Page	11963/0431
Instrument	11963-0431

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 12, 2019
Property Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273
Document Number	0131390065
Book / Page	13139 / 0065
Map Reference	MB 30 PL 90
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7984 SCHOONER CT, FREDERICK, MD 21701-3273

Mortgage

Document Number	131390072
Date	Aug 12, 2019
Instrument	13139/0072

Lender

Name	NORTHWEST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,400.00	$282,600	$334,200 Land $90,000 Building $244,200

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

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 95% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERSIDE serves 1,509 people · EPA ID MD0100029
Water Source	Purchased surface water from CITY OF FREDERICK
Last State Inspection	Oct 2023
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 514 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

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