9104 Hendry Ter, Frederick, MD 21704 Property Records

Frederick County property record for 9104 Hendry Ter, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,484 sqft · built 2004
Lot Size	0.254 acres (11,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Mar 2021)
Tax Bill	$9,963 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-223021`

Property Details

APN / Parcel Number

Primary APN	`07-223021`
Alternative APNs	`7223021` `223021`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,484 sqft Living Area
Gross Area	3,884 sqft
1st Floor Area	1,988 sqft
Basement Area	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,066 sqft (0.254 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	223021
Street Address	9104 HENDRY TER
City	FREDERICK
State	MD
Zip	21704-7814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 2022 SECTION M2 11,066 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA
Legal Lot Number	2022
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2001
Census Tract	752206

Owner

Source: Frederick County records, as of August 7, 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	9104 HENDRY TER, FREDERICK, MD 21704-7814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2017	Deed of Trust, Mortgage · Line of Credit M & T BANK
Dec 18, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Mar 2, 2021	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Prior Sale	Aug 27, 2004 · Amount on Record
Deed Book / Page	14613 / 239
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9104 HENDRY TER, FREDERICK, MD 21704-7814
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121880186
Date	Dec 18, 2017
Book Page	12188/0186
Instrument	12188-0186

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9104 HENDRY TER, FREDERICK, MD 21704-7814
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121880214
Date	Dec 18, 2017
Book Page	12188/0214
Instrument	12188-0214

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14240

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 2, 2021
Property Address	9104 HENDRY TER, FREDERICK, MD 21704-7814
Document Number	0146130239
Book / Page	14613 / 239
Map Reference	MB 65 PL 37
Instrument Date	Feb 17, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,625.00
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	9104 HENDRY TER, FREDERICK, MD 21704-7814

Mortgage

Document Number	14613246
Date	Mar 2, 2021
Instrument	14613/246

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

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		$790,400 (+23.74%)	$844,000 (+23.54%) Land $278,900 Building $565,100
2025	$9,963.00 (+10.21%)
2023	$9,040.00 Homeowner's exemption	$638,733	$683,200 Land $203,000 Building $480,200

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 94% of the US · lower than 87% 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.

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 378 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

May also be available: AT&T.

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