Frederick County property record for 8804 River Oaks Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,376 sqft · built 1995 |
| Lot Size | 0.628 acres (27,369 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,235 (Mar 1996) |
| Tax Bill | $6,532 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-291040 |
| Primary APN | 09-291040 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,376 sqft Total Area |
| 1st Floor Area | 1,594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,369 sqft (0.628 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Deck Area | 812 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 291040 |
|---|---|
| Old Parcel Number | 9291040 |
| Street Address | 8804 RIVER OAKS TER |
| City | FREDERICK |
| State | MD |
| Zip | 21704-6863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 2 PHASE 1 PLAT 1 27,369 SQ. FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS |
| Legal Phase | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 751904 |
8804 River Oaks Ter is owned and occupied by two individuals who bought it in March 1996.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8804 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 1996 · Amount on File |
| Deed Sale | Mar 14, 1996 · Amount on File |
| Prior Sale | Jul 26, 1995 · Amount on File |
| Deed Document Number | 961178 |
| Deed Book / Page | 02168 / 01067 |
| Record Updated | Jun 7, 2026 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,532.00 Homeowner's exemption | $552,300 | $579,200 Land $149,300 Building $429,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8804 River Oaks Ter in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 3 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 risk around 8804 River Oaks Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 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: T-Mobile.
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