Frederick County property record for 4909 Ridge Crest Ct, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,323 sqft · built 1976 |
| Lot Size | 1.83 acres (80,150 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jul 2011) |
| Tax Bill | $6,783 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-453618 |
| Primary APN | 24-453618 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,323 sqft Living Area |
| 1st Floor Area | 2,519 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 80,150 sqft |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 453618 |
|---|---|
| Street Address | 4909 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 9 SECT 2 1.84 AC RIDGE CREST CRT RIDGE CREST ESTATES |
| Legal Subdivision | RIDGE CREST CRT RIDGE CREST ESTATES |
| Legal Lot Number | 9 |
| 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.
4909 Ridge Crest Ct is owned and occupied by two individuals who bought it in July 2011.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4909 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 2, 2017 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2011 · Amount on File |
| Deed Sale | Jul 6, 2011 · Amount on File |
| Prior Sale | Jan 6, 2011 · Amount on File |
| Deed Book / Page | 8428 / 377 |
| Transfer Doc | 0000002846 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4909 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0153950121 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 15395/121 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4909 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4909 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Document Number | 0140050315 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 14005/315 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 328 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4909 RIDGE CREST CT, FREDERICK, MD 21702-3531 |
| Document Number | 0124070126 |
| Instrument Date | Nov 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2018 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 4909 RIDGE CREST CT FREDERICK MD 217023531, FREDERICK, MD 21702-3531 |
| Document Number | 0124070126 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 012407/000126 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2048 |
The 2025 property tax bill for 4909 Ridge Crest Ct was $6,783, up 12.6% from the year before.
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 | $600,700 (+10.63%) Land $146,700 Building $454,000 | $600,700 (-) Land $146,700 Building $454,000 | |
| 2025 | $6,783.00 (+12.6%) | $543,000 | $600,700 Land $146,700 Building $454,000 |
| 2024 | $6,024.00 (+16.77%) | ||
| 2023 | $5,159.00 | $427,600 Land $126,700 Building $300,900 | $427,600 Land $126,700 Building $300,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4909 Ridge Crest Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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.
Wildfire risk around 4909 Ridge Crest Ct is low, with a 0.02% annual chance of wildfire.
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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