589 Over Ridge Dr, Frederick, MD 21703 Property Records

Frederick County property record for 589 Over Ridge Dr, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,756 sqft · built 1982
Lot Size	0.214 acres (9,309 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Oct 2011)
Tax Bill	$7,168 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-092166`

Property Details

APN / Parcel Number

Primary APN	`02-092166`
Alternative APNs	`2092166` `092166`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,380 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	988 sqft
Basement Area	624 sqft
Finished Basement	624 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,309 sqft (0.214 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	208 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	092166
Street Address	589 OVER RIDGE DR
City	FREDERICK
State	MD
Zip	21703-6037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 154 BLK D SECT 4 9309 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS SEC 04
Legal Block	D
Legal Lot Number	154
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 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	589 OVER RIDGE DR, FREDERICK, MD 21703-6037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Oct 27, 2016	Loan Modification, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2011 · Amount on Record
Deed Sale	Oct 19, 2011 · Amount on Record
Prior Sale	Oct 19, 2011 · Amount on Record
Deed Book / Page	8562 / 441
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	589 OVER RIDGE DR, FREDERICK, MD 21703-6037
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 OVER RIDGE DR, FREDERICK, MD 21703-6037

Mortgage

Document Number	0168400483
Date	Apr 25, 2024
Book Page	16840/483

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	271 Months
Due	Nov 1, 2046

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	589 OVER RIDGE DR, FREDERICK, MD 21703-6037
Document Number	0118420230
Book / Page	011842 / 000230
Instrument Date	Oct 27, 2016
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 OVER RIDGE DR FREDERICK MD 217036037, FREDERICK, MD 21703-6037

Mortgage

Document Number	0118420230
Date	May 31, 2017
Book Page	011842/000230

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	CHARLOTTE, MD 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$411,433 (+29.07%)	$458,500 (+18.2%) Land $168,600 Building $289,900
2025	$7,168.00 (+23.2%)
2023	$5,818.00	$318,767	$387,900 Land $119,300 Building $268,600

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 93% of the US · lower than 85% 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.

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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber, T-Mobile, Verizon.

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