431 Heather Ridge Dr, Frederick, MD 21702 Property Records

Frederick County property record for 431 Heather Ridge Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,200 sqft · built 1978
Lot Size	0.103 acres (4,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2026)
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-076462`

Property Details

APN / Parcel Number

Primary APN	`02-076462`
Alternative APNs	`2076462` `076462`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	640 sqft
Basement Area	260 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,473 sqft (0.103 acres)
Porch	Open Porch
Porch Area	24 sqft
Deck Area	291 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	076462
Street Address	431 HEATHER RIDGE DR
City	FREDERICK
State	MD
Zip	21702-1405
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LOT 27 BLK B PLAT 3 .10 ACRE ANTIETAM VILLAGE
Legal Subdivision	ANTIETAM VILLAGE
Legal Block	B
Legal Lot Number	27
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1004
Census Tract	750702

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 August 17, 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	431 HEATHER RIDGE DR, FREDERICK, MD 21702-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed, Transfer · FHA Mortgage ENVOY MORTGAGE
Jun 10, 2022	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Jun 10, 2022 · Amount on Record
Deed Book / Page	17996 / 392
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 10, 2026
Property Address	431 HEATHER RIDGE DR, FREDERICK, MD 21702-1405
Document Number	1799000392
Book / Page	17996 / 392
Instrument Date	Jul 15, 2026
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	E ASSURANCE TITLE, ASSURANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 HEATHER RIDGE DR, FREDERICK, MD 21702-1405

Mortgage

Document Number	1799000400,
Date	Aug 10, 2026
Book Page	17996/400

Lender

Name	ENVOY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 10, 2022
Property Address	431 HEATHER RIDGE DR, FREDERICK, MD 21702-1405
Document Number	0159760466
Book / Page	15976 / 466
Map Reference	MB 16 FO 170
Instrument Date	Apr 27, 2022
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	ALLEN TITLE SERVICES LLC, ALLIED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
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	431 HEATHER RIDGE DR, FREDERICK, MD 21702-1405

Mortgage

Document Number	0015976471
Date	Jun 10, 2022
Instrument	15976/471

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,200 (+7.1%)	$312,800 (+21.29%) Land $92,200 Building $220,600
2025	$3,538.00 (+4.8%) Homeowner's exemption	$257,900 (+33.05%) Land $53,100 Building $204,800	$257,900 (-) Land $53,100 Building $204,800
2024	$3,376.00 (+7.14%)
2023	$3,151.00 Homeowner's exemption	$193,833	$257,900 Land $53,100 Building $204,800

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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 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 · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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