904 Oak St, Frederick, MD 21703 Property Records

Frederick County property record for 904 Oak St, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,468 sqft · built 1949
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Nov 2024)
Tax Bill	$4,784 (2024)
Deeds & Mortgages	Sep 2022 Mortgage May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-041952`

Property Details

APN / Parcel Number

Primary APN	`02-041952`
Alternative APNs	`2041952` `041952`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,468 sqft Living Area
Gross Area	1,552 sqft
1st Floor Area	812 sqft
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	189 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	041952
Street Address	904 OAK ST
City	FREDERICK
State	MD
Zip	21703-8438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	1/2 LS 7 8 BG 75X150 904 OAK ST FREDK
Legal Subdivision	FREDK
Legal Block	G
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2007
Census Tract	750505

Owner

Source: Frederick County records, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	904 OAK ST, FREDERICK, MD 21703-8438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMPIRE FINANCIAL SERVICES INC
May 5, 2020	Grant Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024 · Amount on Record
Deed Sale	Nov 6, 2024 · Amount on Record
Prior Sale	May 5, 2020 · Amount on Record
Deed Book / Page	17102 / 27
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	904 OAK ST, FREDERICK, MD 21703-8438
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	QUANTUM TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 OAK ST, FREDERICK, MD 21703-8438

Mortgage

Document Number	0161320078
Date	Sep 14, 2022
Book Page	16132/78

Lender

Name	EMPIRE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 5, 2020
Property Address	904 OAK ST, FREDERICK, MD 21703-8438
Document Number	0137110042
Book / Page	013711 / 000042
Instrument Date	Apr 30, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 OAK ST FREDERICK MD 217038438, FREDERICK, MD 21703-8438

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	904 OAK ST, FREDERICK, MD 21703-8438
Document Number	0137110049
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 OAK ST FREDERICK MD 217038438, FREDERICK, MD 21703-8438

Mortgage

Document Number	0137110049
Date	May 5, 2020
Book Page	013711/000049

Lender

Name	FIRST NAT'L BK/AMERICA
Type	Bank
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$266,600 (+8.4%) Land $81,600 Building $185,000	$266,600 (-) Land $81,600 Building $185,000
2024	$4,784.00 (+6.1%)
2023	$4,509.00	$245,933	$266,600 Land $81,600 Building $185,000

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	14 units insured incl. 12 condo units

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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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