445 Heather Ridge Dr, Frederick, MD 21702 Property Records

Frederick County property record for 445 Heather Ridge Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,600 sqft · built 1979
Lot Size	0.082 acres (3,564 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jun 2020)
Tax Bill	$4,573 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-076535`

Property Details

APN / Parcel Number

Primary APN	`02-076535`
Alternative APNs	`2076535` `076535`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	640 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,564 sqft (0.082 acres)
Porch	Open Porch
Porch Area	80 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	076535
Street Address	445 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 34 BLK B PLAT 3 .08 ACRE ANTIETAM VILLAGE
Legal Subdivision	ANTIETAM VILLAGE
Legal Block	B
Legal Lot Number	34
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 June 9, 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	200 PANORAMA DR, OXON HILL, MD 20745-1027
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on Record
Deed Sale	Jun 8, 2020 · Amount on Record
Prior Sale	Oct 27, 2005 · Amount on Record
Deed Book / Page	13787 / 280
Record Updated	Sep 20, 2026

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 8, 2020
Property Address	445 HEATHER RIDGE DR, FREDERICK, MD 21702-1405
Document Number	0137870280
Book / Page	13787 / 280
Map Reference	MB 16 PL 170
Instrument Date	May 15, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	200 PANORAMA DR, OXON HILL, MD 20745-1027

Mortgage

Document Number	13787286
Date	Jun 8, 2020
Instrument	13787/286

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

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
2025	$4,573.00 (+25.01%)	$245,700 (+23.7%) Land $52,800 Building $192,900	$245,700 (-) Land $52,800 Building $192,900
2023	$3,658.00	$198,633	$245,700 Land $52,800 Building $192,900

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

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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