9116 Whitmore Ln, Frederick, MD 21704 Property Records

Frederick County property record for 9116 Whitmore Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,084 sqft · built 2004
Lot Size	0.396 acres (17,245 sqft)
Owner	2 Individual Names on Record
Last Sale	$769,500 (Aug 2020)
Tax Bill	$11,141 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-238509`

Property Details

APN / Parcel Number

Primary APN	`07-238509`
Alternative APN	`238509`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,484 sqft Living Area
Gross Area	5,014 sqft
1st Floor Area	2,144 sqft
Basement Area	400 sqft
Finished Basement	400 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	17,245 sqft (0.396 acres)
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces
Deck Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	238509
Street Address	9116 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 14047 SECT. M-14 17,245 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-14 PRCL 01
Legal Lot Number	14047
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9116 WHITMORE LN, FREDERICK, MD 21704-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU
Aug 6, 2020	Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	Feb 9, 2005 · Amount on Record
Deed Book / Page	13958 / 246
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9116 WHITMORE LN, FREDERICK, MD 21704-7321
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CERTIFIED TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116620384
Date	Feb 9, 2017
Book Page	11662/0384
Instrument	11662-0384

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 6, 2020
Property Address	9116 WHITMORE LN, FREDERICK, MD 21704-7321
Document Number	0139580246
Book / Page	13958 / 246
Map Reference	MB 75 PG 3
Instrument Date	Jul 31, 2020
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	$3,847.50
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	9116 WHITMORE LN, FREDERICK, MD 21704-7321

Mortgage

Document Number	13958252
Date	Aug 6, 2020
Instrument	13958/252

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$913,767 (+23.82%)	$974,000 (+22.78%) Land $282,900 Building $691,100
2025	$11,141.00 (+10.77%)
2023	$10,058.00 Homeowner's exemption	$738,000	$793,300 Land $206,100 Building $587,200

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 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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