Frederick County property record for 8828 River Oaks Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,832 sqft · built 2001 |
| Lot Size | 0.592 acres (25,777 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,909 (Sep 2001) |
| Tax Bill | $6,524 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-302352 |
| Primary APN | 09-302352 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,832 sqft Living Area |
| Gross Area | 3,212 sqft |
| 1st Floor Area | 1,422 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 25,777 sqft (0.592 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Deck Area | 387 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 302352 |
|---|---|
| Street Address | 8828 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 | LT 20 PHASE III PL 5 25,777 SQ FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS RESIDENTIAL CLSTR |
| Legal Phase | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 751904 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Monocacy National Battlefield listed 1973 · 4 contributing resources · National Historic Landmark (designated 1973) · NRIS 66000908 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
8828 River Oaks Ter is owned and occupied by two individuals who bought it in September 2001.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8828 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| 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 |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2001 · Amount on File |
| Deed Sale | Sep 26, 2001 · Amount on File |
| Prior Sale | Apr 19, 2001 · Amount on File |
| Deed Document Number | 20016720 |
| Deed Book / Page | 2958 / 487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8828 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 8828 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Document Number | 0166850355 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 16685/355 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8828 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | CAPITOL SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 8828 RIVER OAKS TER, FREDERICK, MD 21704-6863 |
| Document Number | 0139890001 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 13989/1 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 8828 River Oaks Ter was $6,524 with a homeowner's exemption.
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 | $602,533 | $651,900 Land $170,300 Building $481,600 | |
| 2025 | $6,524.00 | ||
| 2023 | $5,663.00 Homeowner's exemption | $479,567 | $503,800 Land $146,300 Building $357,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8828 River Oaks Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 8828 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 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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