Frederick County property record for 8816 River Oaks Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,710 sqft · built 1997 |
| Lot Size | 0.476 acres (20,733 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $469,900 (Dec 2017) |
| Tax Bill | $6,603 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-296999 |
| Primary APN | 09-296999 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,710 sqft Living Area |
| Gross Area | 4,110 sqft |
| 1st Floor Area | 1,576 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,733 sqft (0.476 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 184 sqft |
| Deck Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 296999 |
|---|---|
| Street Address | 8816 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 14 PHASE 2 PL 3 20,733 SQ. FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS |
| Legal Phase | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 751904 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8816 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 3, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Jun 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Dec 28, 2017 | Deed, Transfer · Conventional Mortgage CORRIDOR MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2017 · Amount on File |
| Deed Sale | Dec 28, 2017 · Amount on File |
| Prior Sale | Jul 8, 2011 · Amount on File |
| Deed Document Number | 201712203-0430 |
| Deed Book / Page | 12203 / 430 |
| Transfer Doc | 0000006411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8816 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0165460204 |
|---|---|
| Date | Aug 3, 2023 |
| Book Page | 16546/204 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8816 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | MID ATLANTIC TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0137990454 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 13799/454 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 28, 2017 |
| Property Address | 8816 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Document Number | 0122030430 |
| Book / Page | 12203 / 0430 |
| Map Reference | MB58 PG103 |
| Instrument Date | Nov 11, 2017 |
| Instrument | 12203-0430 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | COLONY TITLE GROUP LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8816 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Document Number | 0122030437 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 12203-0437 |
| Name | CORRIDOR MORTGAGE GROUP INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
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 | $608,067 (+25.47%) | $658,900 (+30.11%) Land $160,800 Building $498,100 | |
| 2025 | $6,603.00 (+15.18%) | ||
| 2023 | $5,733.00 Homeowner's exemption | $484,633 | $506,400 Land $136,800 Building $369,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% 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 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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