14524 Ridenour Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 14524 Ridenour Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,456 sqft · built 2007
Lot Size	5.85 acres (254,826 sqft)
Owner	2 Individual Names on File
Last Sale	$466,500 (Dec 2020)
Tax Bill	$5,542 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-279437`

Property Details

APN / Parcel Number

Primary APN	`10-279437`
Alternative APN	`279437`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	3,456 sqft Living Area
Gross Area	4,284 sqft
1st Floor Area	2,156 sqft
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	254,826 sqft (5.85 acres)
Garage Type	Attached
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	162 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	279437
Street Address	14524 RIDENOUR RD
City	SMITHSBURG
State	MD
Zip	21783-9213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 2 5.85 ACRES SANFORD & EVELYN FOX
Legal Subdivision	SANFORD J & EVELYN I FOX
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1000
Census Tract	752801

Owner

Source: Frederick County records · APN 10-279437

Assessment roll updated August 4, 2025 · Last verified April 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 File
Mailing Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 09, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORP
Aug 31, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 22, 2020	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jul 23, 2019	Deed of Trust, Mortgage · FHA Mortgage NFM LNDG
Dec 07, 2018	Grant Deed, Transfer · FHA Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Dec 07, 2018 · Amount on Record
Deed Book / Page	14387 / 435
Prior Transfer Date	Apr 23, 2012
Prior Transfer Doc	0088700292
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146390424
Date	Mar 09, 2021
Book Page	14639/424

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140260195
Date	Aug 31, 2020
Book Page	14026/195

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 01, 2050

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 22, 2020
Property Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Document Number	0143870435
Book / Page	14387 / 435
Map Reference	MB 82 PL 27
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MAIN STREET SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,332.50
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	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213

Mortgage

Document Number	0014387440
Date	Dec 22, 2020
Instrument	14387/440

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Document Number	0131230436
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14524 RIDENOUR RD SMITHSBURG MD 217839213, SMITHSBURG, MD 21783-9213

Mortgage

Document Number	0131230436
Date	Aug 05, 2019
Book Page	013123/000436

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 04, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 07, 2018
Property Address	14524 RIDENOUR RD, SMITHSBURG, MD 21783-9213
Document Number	0127420469
Book / Page	012742 / 000469
Instrument Date	Nov 29, 2018
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	BRENNAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$399.90
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	14524 RIDENOUR RD SMITHSBURG MD 217839213, SMITHSBURG, MD 21783-9213
Investor	Possibly a Property Investor

Mortgage

Document Number	127420477
Date	Dec 07, 2018
Book Page	012742/000477

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 06, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$494,833 (+21.85%)	$539,200 (+32.78%) Land $102,200 Building $437,000
2024	$5,542.00 (+14.34%)
2023	$4,847.00	$406,100 Land $91,700 Building $314,400	$406,100 Land $91,700 Building $314,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), as of November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217528011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1996–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

Wildfire

Wildfire Risk	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Schurz Communications Cable	1,300 / 50
Starlink Satellite	280 / 30

Based on FCC filings for 15 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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