909 Oak St, Frederick, MD 21703 Property Records

Frederick County property record for 909 Oak St, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	1 ba · 896 sqft · built 1955
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jun 2026)
Tax Bill	$3,391 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-060728`

Property Details

APN / Parcel Number

Primary APN	`02-060728`
Alternative APNs	`2060728` `060728`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Utility Area	24 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	060728
Street Address	909 OAK ST
City	FREDERICK
State	MD
Zip	21703-8437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LTS #1-1/2 OF #2, 75 X 150 909 OAK ST.
Legal Subdivision	LINDEN HILLS
Legal Block	E
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2008
Census Tract	750505

Owner

909 Oak St is owned and occupied by an individual who bought it in June 2026.

Source: Frederick County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	909 OAK ST, FREDERICK, MD 21703-8437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Oct 6, 2020	Deed of Trust, Mortgage NVR MTG FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on File
Deed Sale	Jun 25, 2026 · Amount on File
Prior Sale	Nov 5, 2010 · Amount on File
Deed Book / Page	17930 / 104
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 25, 2026
Property Address	909 OAK ST, FREDERICK, MD 21703-8437
Document Number	1793000104
Book / Page	17930 / 104
Instrument Date	Jun 16, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	RGS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	909 OAK ST, FREDERICK, MD 21703-8437

Mortgage

Document Number	1793000125,
Date	Jun 25, 2026
Book Page	17930/125

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	909 OAK ST, FREDERICK, MD 21703-8437
Document Number	0141600291
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 THORNAPPLE DR FREDERICK MD 217042406, FREDERICK, MD 21704-2406

Mortgage

Document Number	0141600291
Date	Oct 13, 2020
Book Page	014160/000291

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 909 Oak St was $3,391, up 2.7% from the year before.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$202,133 (+11.68%)	$244,400 (+35.03%) Land $121,600 Building $122,800
2025	$3,391.00 (+2.66%)	$181,000 Land $81,600 Building $99,400	$181,000 Land $81,600 Building $99,400
2024	$3,303.00 (+5.12%)
2023	$3,142.00	$169,933	$181,000 Land $81,600 Building $99,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 909 Oak St 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
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

Wildfire risk around 909 Oak St 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 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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures