Frederick County property record for 9895 White Oak Cir, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,186 sqft · built 1978 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (May 1995) |
| Tax Bill | $7,765 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-230378 |
| Primary APN | 09-230378 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 4,186 sqft Living Area |
| Gross Area | 4,926 sqft |
| 1st Floor Area | 3,186 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 46,609 sqft (1.07 acres) |
| Garage Type | Attached |
| Garage Area | 740 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 349 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 230378 |
|---|---|
| Street Address | 9895 WHITE OAK CIR |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 8, SECT. 6, 1.07 WHITE OAK CIRCLE OAK ACRES |
| Legal Subdivision | OAK ACRES |
| Legal Block | C |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 751902 |
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.
9895 White Oak Cir is owned and occupied by two individuals who acquired it in January 2011.
Source: Frederick County records, as of August 4, 2025
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 9895 WHITE OAK CIR, FREDERICK, MD 21701-6723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 1995 · Amount on File |
| Deed Sale | May 3, 1995 · Amount on File |
| Prior Sale | Jul 15, 1993 · Amount on File |
| Deed Book / Page | 2092 / 367 |
| Last Transfer Date | Jan 7, 2011 |
| Transfer Doc | 0082470427 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9895 WHITE OAK CIR, FREDERICK, MD 21701-6723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0137760107 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 13776/107 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2035 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $694,733 | $768,200 Land $211,200 Building $557,000 | |
| 2024 | $7,765.00 (+8.42%) | ||
| 2023 | $7,162.00 Homeowner's exemption | $618,967 | $658,000 Land $145,600 Building $512,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9895 White Oak Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 9895 White Oak Cir is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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