Frederick County property record for 4903 Ridge Crest Ct, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,416 sqft · built 1977 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Aug 2021) |
| Tax Bill | $5,804 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-453529 |
| Primary APN | 24-453529 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,416 sqft Living Area |
| Gross Area | 2,992 sqft |
| 1st Floor Area | 1,212 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 453529 |
|---|---|
| Street Address | 4903 RIDGE CREST CT |
| City | FREDERICK |
| State | MD |
| Zip | 21702-3531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 12 SECT 1 0.94 AC RIDGE CREST COURT RIDGE CREST ESTATES |
| Legal Subdivision | RIDGE CREST COURT RIDGE CREST ESTATES |
| Legal Lot Number | 12 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 752603 |
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.
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 | 4903 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Line of Credit HSBC BANK USA |
| Aug 13, 2021 | Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2021 · Amount on Record |
| Deed Sale | Aug 13, 2021 · Amount on Record |
| Prior Sale | Apr 29, 2015 · Amount on Record |
| Deed Book / Page | 15193 / 119 |
| Prior Transfer Date | May 12, 2015 |
| Prior Transfer Doc | 0105540183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4903 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC |
| Name | Verified Name |
|---|
| Document Number | 0176160011 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 17616/11 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 15, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 13, 2021 |
| Property Address | 4903 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Document Number | 0151930119 |
| Book / Page | 15193 / 119 |
| Map Reference | MB 10 FO 146 |
| Instrument Date | Jul 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4903 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Document Number | 15193126 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 15193/126 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $485,200 (+4.82%) Land $127,600 Building $357,600 | $485,200 (-) Land $127,600 Building $357,600 | |
| 2025 | $5,804.00 (+5.85%) | $462,900 (+10.66%) | $485,200 (+15.99%) Land $127,600 Building $357,600 |
| 2024 | $5,483.00 (+8.57%) | ||
| 2023 | $5,050.00 | $418,300 Land $117,100 Building $301,200 | $418,300 Land $117,100 Building $301,200 |
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2003–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
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