Frederick County property record for 8809 River Oaks Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,008 sqft · built 1996 |
| Lot Size | 0.408 acres (17,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Mar 2018) |
| Tax Bill | $6,387 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-291067 |
| Primary APN | 09-291067 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,008 sqft Living Area |
| Gross Area | 3,470 sqft |
| 1st Floor Area | 1,788 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 17,776 sqft (0.408 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 291067 |
|---|---|
| Street Address | 8809 RIVER OAKS TER |
| City | FREDERICK |
| State | MD |
| Zip | 21704-6864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 60 PAHSE 1 PLAT 2 17,776 SQ. FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS PH 01 02 |
| Legal Lot Number | 60 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 751904 |
8809 River Oaks Ter is owned and occupied by two individuals who bought it in March 2018.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8809 RIVER OAKS TER, FREDERICK, MD 21704-6864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 2, 2018 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2018 · Amount on File |
| Deed Sale | Mar 2, 2018 · Amount on File |
| Prior Sale | Sep 15, 2006 · Amount on File |
| Deed Book / Page | 12300 / 114 |
| Prior Transfer Date | Sep 8, 2006 |
| Prior Transfer Doc | 0062210181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8809 RIVER OAKS TER, FREDERICK, MD 21704-6864 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0149150027 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 14915/27 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 2, 2018 |
| Property Address | 8809 RIVER OAKS TER, FREDERICK, MD 21704-6864 |
| Document Number | 0123000114 |
| Book / Page | 12300 / 0114 |
| Map Reference | MB55 PL56 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6794 WOOD DUCK CT, FREDERICK, MD 21703-9529 |
| Document Number | 0012300121 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 12300/121 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
The 2025 property tax bill for 8809 River Oaks Ter was $6,387 with a homeowner's exemption, up 6.3% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $587,533 (+9.17%) | $636,900 (-) Land $155,200 Building $481,700 | |
| 2025 | $6,387.00 (+6.34%) Homeowner's exemption | $538,167 | $636,900 Land $155,200 Building $481,700 |
| 2024 | $6,006.00 (+7.54%) | ||
| 2023 | $5,585.00 Homeowner's exemption | $469,100 | $488,800 Land $131,200 Building $357,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8809 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 8809 River Oaks Ter is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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