Frederick County property record for 1408 Elfin Ct, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,380 sqft · built 1994 |
| Lot Size | 0.213 acres (9,266 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,501 (Jun 2017) |
| Tax Bill | $8,231 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-176831 |
| Primary APN | 02-176831 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| Gross Area | 2,780 sqft |
| 1st Floor Area | 1,398 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,266 sqft (0.213 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Deck Area | 490 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 176831 |
|---|---|
| Street Address | 1408 ELFIN CT |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 171 SEC 2 PLAT 1 9266 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 171 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 750506 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 12, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP |
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 12, 2017 | Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2017 · Amount on Record |
| Deed Sale | Jun 12, 2017 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Document Number | 201711863-0362 |
| Deed Book / Page | 11863 / 362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0139750227 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 13975/227 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0132680167 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 13268/0167 |
| Name | ROUNDPOINT MORTGAGE SERVICING CORP |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0154850152 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 15485/152 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 158 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 12, 2017 |
| Property Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Document Number | 0118630362 |
| Book / Page | 11863 / 0362 |
| Map Reference | MB45 PL49 |
| Instrument Date | May 25, 2017 |
| Instrument | 11863-0362 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | RESOURCE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,212.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1408 ELFIN CT, FREDERICK, MD 21703-2220 |
| Document Number | 118630369 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 11863-0369 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $476,467 (+27.68%) | $537,200 (+20.42%) Land $144,200 Building $393,000 | |
| 2025 | $8,231.00 (+21.12%) | ||
| 2023 | $6,796.00 | $373,167 | $446,100 Land $104,200 Building $341,900 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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