9897 White Oak Cir, Frederick, MD 21701 Property Records

Frederick County property record for 9897 White Oak Cir, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,287 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Aug 2020)
Tax Bill	$5,519 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-229434`

Property Details

APN / Parcel Number

Primary APN	`09-229434`
Alternative APNs	`9229434` `229434`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,287 sqft Living Area
Gross Area	2,839 sqft
1st Floor Area	1,537 sqft
Basement Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	116 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	229434
Street Address	9897 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 9A SECT 6 1.00 AC WHITE OAK CIRCLE OAK ACRES
Legal Subdivision	GRANT ADD/GRANT
Legal Block	C
Legal Lot Number	9A
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2004
Census Tract	751902

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 April 28, 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	9897 WHITE OAK CIR, FREDERICK, MD 21701-6723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed, Transfer · FHA Mortgage PRIMELENDING
Jun 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Deed Book / Page	14021 / 38
Prior Transfer Date	May 24, 2019
Prior Transfer Doc	0130060266
Record Updated	Jun 8, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 28, 2020
Property Address	9897 WHITE OAK CIR, FREDERICK, MD 21701-6723
Document Number	0140210038
Book / Page	14021 / 38
Map Reference	MB 11 FO 128
Instrument Date	Aug 25, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$987.50
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	9897 WHITE OAK CIR, FREDERICK, MD 21701-6723

Mortgage

Document Number	1402146
Date	Aug 28, 2020
Instrument	14021/46

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 4, 2019
Property Address	9897 WHITE OAK CIR, FREDERICK, MD 21701-6723
Document Number	0130060266
Book / Page	013006 / 000266
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9897 WHITE OAK CIR FREDERICK MD 217016723, FREDERICK, MD 21701-6723

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$5,519.00 (+7.75%)	$439,600 (+16.47%)	$497,200 (+21.03%) Land $210,500 Building $286,700
2024	$5,122.00 (+12.05%)
2023	$4,571.00	$377,433	$410,800 Land $145,000 Building $265,800

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

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

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.

Internet Providers

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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