9315 White Rock Ave, Frederick, MD 21702 Property Records

Frederick County property record for 9315 White Rock Ave, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1982
Lot Size	0.236 acres (10,314 sqft)
Owner	Individual Name on Record
Last Sale	$114,000 (Aug 1997)
Tax Bill	$2,507 (2023)
Deeds & Mortgages	Aug 2020 Line of Credit Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-407631`

Property Details

APN / Parcel Number

Primary APN	`21-407631`
Alternative APN	`407631`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area
1st Floor Area	960 sqft
Basement Area	486 sqft
Finished Basement	486 sqft

Exterior

Year Built	Built 1982
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Metal
Lot Area	10,314 sqft (0.236 acres)
Lot Dimensions	13 ft deep x 122 ft wide

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	407631
Street Address	9315 WHITE ROCK AVE
City	FREDERICK
State	MD
Zip	21702-2065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 33 SECT II 122X13 WHITE ROCK
Legal Subdivision	WHITE ROCK
Legal Lot Number	33
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 September 25, 2023

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	9315 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 1997 · Amount on Record
Deed Sale	Aug 28, 1997 · Amount on Record
Deed Document Number	975118
Deed Book / Page	2325 / 252
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9315 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139470436
Date	Aug 3, 2020
Book Page	13947/436

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9315 WHITE ROCK AVE, FREDERICK, MD 21702-2065
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9315 WHITE ROCK AVE, FREDERICK, MD 21702-2065

Mortgage

Document Number	0150590497
Date	Jul 6, 2021
Book Page	15059/497

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 15, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$2,507.00 Homeowner's exemption	$206,400 Land $93,200 Building $113,200	$206,400 Land $93,200 Building $113,200

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
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)

Nearby Properties on White Rock Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures