11789 Rowe Rd, Monrovia, MD 21770 Property Records

Frederick County property record for 11789 Rowe Rd, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,544 sqft · built 1981
Lot Size	0.979 acres (42,688 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (May 2019)
Tax Bill	$5,373 (2023)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-256733`

Property Details

APN / Parcel Number

Primary APN	`09-256733`
Alternative APNs	`9256733` `256733`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,544 sqft Total Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	42,688 sqft (0.979 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	256733
Old Parcel Number	9256733
Street Address	11789 ROWE RD
City	MONROVIA
State	MD
Zip	21770-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 9 S 4.98 AC ROWE RD. NEW MKT. VIEW
Legal Subdivision	NEW MKT VIEW
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	4
Census Block	4005
Census Tract	752102

Owner

Source: Frederick County records, as of September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11789 ROWE RD, MONROVIA, MD 21770-9216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 22, 2019	Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	0012981449
Deed Book / Page	12981 / 449
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11789 ROWE RD, MONROVIA, MD 21770-9216
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139760448
Date	Aug 13, 2020
Book Page	13976/448

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 22, 2019
Property Address	11789 ROWE RD, MONROVIA, MD 21770-9216
Document Number	0129810449
Book / Page	012981 / 000449
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	11789 ROWE RD MONROVIA MD 217709216, MONROVIA, MD 21770-9216

Mortgage

Document Number	129810455
Date	May 22, 2019
Book Page	012981/000455

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

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	$5,373.00	$445,833	$477,800 Land $173,900 Building $303,900

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
Nearby Flood Policies	1 in force

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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