9100 Whitmore Ln, Frederick, MD 21704 Property Records

Frederick County property record for 9100 Whitmore Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 6,454 sqft · built 2005
Lot Size	0.423 acres (18,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,225,000 (Aug 2023)
Tax Bill	$14,036 (2025)
Deeds & Mortgages	May 2023 Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-238711`

Property Details

APN / Parcel Number

Primary APN	`07-238711`
Alternative APN	`238711`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,454 sqft Living Area
Gross Area	6,634 sqft
1st Floor Area	2,706 sqft
Basement Area	1,300 sqft
Finished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,445 sqft (0.423 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	238711
Street Address	9100 WHITMORE LN
City	FREDERICK
State	MD
Zip	21704-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 14039 SECT. M-14 18,445 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-14
Legal Lot Number	14039
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752202

Owner

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 Record
Mailing Address	9100 WHITMORE LN, FREDERICK, MD 21704-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 18, 2023	Deed, Transfer · Conventional Mortgage TD BANK NA
Jun 14, 2017	Grant Deed, Transfer MONOCACY TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Jun 14, 2017 · Amount on Record
Deed Book / Page	16566 / 143
Prior Transfer Date	Dec 10, 2007
Prior Transfer Doc	0068390241
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9100 WHITMORE LN, FREDERICK, MD 21704-7321
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9100 WHITMORE LN, URBANA, MD 21704-7321

Mortgage

Document Number	0164380489
Date	May 15, 2023
Book Page	16438/489

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 18, 2023
Property Address	9100 WHITMORE LN, FREDERICK, MD 21704-7321
Document Number	0165660143
Book / Page	16566 / 143
Map Reference	MB 75 PG 4
Instrument Date	Aug 16, 2023
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9100 WHITMORE LN, FREDERICK, MD 21704-7321

Mortgage

Document Number	0016566149
Date	Aug 18, 2023
Instrument	16566/149

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Margin	3
Max Rate	10.7%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 14, 2017
Property Address	9100 WHITMORE LN, FREDERICK, MD 21704-7321
Document Number	0118710278
Book / Page	011871 / 000278
Instrument Date	Jun 2, 2017
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	MONOCACY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$715.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9100 WHITMORE LN FREDERICK MD 217047321, FREDERICK, MD 21704-7321

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,126,800 (+8.17%)	$1,211,900 (-) Land $283,700 Building $928,200
2025	$14,036.00 (+3.97%) Homeowner's exemption	$1,041,700 (+16.49%)	$1,211,900 (+26.69%) Land $283,700 Building $928,200
2024	$13,500.00 (+9.05%)
2023	$12,380.00	$894,233	$956,600 Land $206,700 Building $749,900

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
Nearby Flood Policies	1 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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