Frederick County property record for 9305 White Rock Ave, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,842 sqft · built 1956 |
| Lot Size | 0.23 acres (10,020 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Sep 2016) |
| Tax Bill | $3,631 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-426520 |
| Primary APN | 21-426520 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| 1st Floor Area | 1,842 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| 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 | 225 sqft |
| Deck Area | 128 sqft |
| Gazebo | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 426520 |
|---|---|
| Street Address | 9305 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 28 SEC 1 60X167 WHITE ROCK AVE. WHITE ROCK |
| Legal Subdivision | WHITE ROCK DEV SEC 01 |
| Legal Lot Number | 28 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 21, TUSCARORA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 751301 |
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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 9305 WHITE ROCK AVE, FREDERICK, MD 21702-2065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2016 · Amount on Record |
| Deed Sale | Sep 26, 2016 · Amount on Record |
| Prior Sale | Aug 22, 2012 · Amount on Record |
| Deed Book / Page | 11396 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9305 WHITE ROCK AVE, FREDERICK, MD 21702-2065 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0160080408 |
|---|---|
| Date | Jun 28, 2022 |
| Book Page | 16008/408 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $345,200 (+8.88%) Land $110,000 Building $235,200 | $345,200 (-) Land $110,000 Building $235,200 | |
| 2025 | $3,631.00 (+6.26%) Homeowner's exemption | $317,033 (+21.61%) | $345,200 (+32.41%) Land $110,000 Building $235,200 |
| 2024 | $3,417.00 (+8.72%) | ||
| 2023 | $3,143.00 Homeowner's exemption | $260,700 Land $93,000 Building $167,700 | $260,700 Land $93,000 Building $167,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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