588 Over Ridge Dr, Frederick, MD 21703 Property Records

Frederick County property record for 588 Over Ridge Dr, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,776 sqft · built 1980
Lot Size	0.184 acres (8,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Nov 2004)
Tax Bill	$6,947 (2025)
Deeds & Mortgages	May 2023 Mortgage Aug 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-092204`

Property Details

APN / Parcel Number

Primary APN	`02-092204`
Alternative APNs	`2092204` `092204`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,776 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	1,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,031 sqft (0.184 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Slab
Porch Area	32 sqft
Deck Area	242 sqft
Patio Area	169 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	092204
Street Address	588 OVER RIDGE DR
City	FREDERICK
State	MD
Zip	21703-6038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 158 BLK D SECT 4 8031 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Block	D
Legal Lot Number	158
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2002
Census Tract	750506

Owner

Source: Frederick County records, as of July 20, 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	588 OVER RIDGE DR, FREDERICK, MD 21703-6038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 22, 2017	Loan Modification, Mortgage · Conventional with PMI MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2004 · Amount on Record
Deed Sale	Nov 30, 2004 · Amount on Record
Prior Sale	Mar 5, 1992 · Amount on Record
Deed Document Number	200449715
Deed Book / Page	4990 / 379
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	588 OVER RIDGE DR, FREDERICK, MD 21703-6038
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0164390017
Date	May 15, 2023
Book Page	16439/17

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	588 OVER RIDGE DR, FREDERICK, MD 21703-6038
Document Number	0121160340
Book / Page	012116 / 000340
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 OVER RIDGE DR FREDERICK MD 217036038, FREDERICK, MD 21703-6038

Mortgage

Document Number	0121160340
Date	Nov 3, 2017
Book Page	012116/000340

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Nov 2, 2057

Interest

Rate Type	Fixed Rate

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	$6,947.00 (+9.2%)	$375,800 (+21.64%) Land $118,000 Building $257,800	$375,800 (-) Land $118,000 Building $257,800
2024	$6,362.00 (+12.78%)
2023	$5,641.00	$308,933	$375,800 Land $118,000 Building $257,800

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 · 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 Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2018 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 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	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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