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 Record |
| 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.
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 Record |
|---|---|
| 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 Record |
| Deed Sale | Jul 6, 2011 · Amount on Record |
| Prior Sale | Jan 6, 2011 · Amount on Record |
| 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 Recorded |
| 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 Recorded |
| 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 Recorded |
| Term | 360 Months |
| Due | May 9, 2048 |
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 (+26.99%) | $600,700 (+40.48%) 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.
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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