9303 White Rock Ave, Frederick, MD 21702 Property Records

Frederick County property record for 9303 White Rock Ave, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	1 ba · 825 sqft · built 1956
Lot Size	0.23 acres (10,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,200,000 (Nov 2021)
Tax Bill	$2,857 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-411140`

Property Details

APN / Parcel Number

Primary APN	`21-411140`
Alternative APN	`411140`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	825 sqft Living Area
1st Floor Area	825 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,020 sqft (0.23 acres)
Lot Dimensions	167 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	64 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	411140
Street Address	9303 WHITE ROCK AVE
City	FREDERICK
State	MD
Zip	21702-2065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT #27 60 X 167 WHITE ROCK AVE. WHITE ROCK
Legal Subdivision	WHITE ROCK
Legal Lot Number	27
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	1
Census Block	1003
Census Tract	751301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	9303 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed, Transfer · FHA Mortgage PRIMELENDING
Jun 6, 2017	Deed of Trust, Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Prior Sale	Nov 1, 2021 · Amount on Record
Deed Book / Page	15465 / 473
Transfer Doc	0049170201
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 4, 2021
Property Address	9303 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Document Number	0154650473
Book / Page	15465 / 473
Map Reference	MB 3 FO 114
Instrument Date	Oct 28, 2021
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9303 WHITE ROCK AVE, FREDERICK, MD 21702-2065

Mortgage

Document Number	15465478
Date	Nov 4, 2021
Instrument	15465/478

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9303 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Document Number	0118760320
Book / Page	011876 / 000320
Instrument Date	Jun 6, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	9303 WHITE ROCK AVE FREDERICK MD 217022065, FREDERICK, MD 21702-2065

Mortgage

Document Number	0118760320
Date	Jun 16, 2017
Book Page	011876/000320

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

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		$250,300 (+10.46%) Land $110,000 Building $140,300	$250,300 (-) Land $110,000 Building $140,300
2025	$2,857.00 (+12.3%)	$226,600 (+26.45%)	$250,300 (+39.68%) Land $110,000 Building $140,300
2024	$2,544.00 (+16.27%)
2023	$2,188.00	$179,200 Land $93,000 Building $86,200	$179,200 Land $93,000 Building $86,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1981–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 2018 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WHITE ROCK serves 256 people · EPA ID MD0100026
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2024) 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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