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597 Over Ridge Dr, Frederick, MD 21703 Property Records

Frederick County property record for 597 Over Ridge Dr, Frederick, MD 21703

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,764 sqft · built 1979
Lot Size0.205 acres (8,906 sqft)
OwnerIndividual Name on Record
Last Sale$389,000 (Jan 2024)
Tax Bill$6,312 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-092115

Property Details

APN / Parcel Number

Primary APN02-092115
Alternative APNs
  • 2092115
  • 092115

Interior

Full Baths3 Baths
Stories2 Stories
Building Area1,764 sqft Living Area
Gross Area2,217 sqft
1st Floor Area1,188 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Architectural StyleSplit Level
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area8,906 sqft (0.205 acres)
Garage TypeAttached
Garage Area253 sqft
Parking Spaces1 Parking Space
PorchEnclosed Porch
Porch Area200 sqft
Deck Area72 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number092115
Street Address597 OVER RIDGE DR
CityFREDERICK
StateMD
Zip21703-6037
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR8
Legal DescriptionLT 150 BLK D SECT 4 8906 SQ FT HILLCREST ORCHARDS
Legal SubdivisionHILLCREST ORCHARDS
Legal BlockD
Legal Lot Number150
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2002
Census Tract750506

Owner

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 RecordIndividual Name on Record
Mailing Address597 OVER RIDGE DR, FREDERICK, MD 21703-6037
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 10, 2024 · Amount on Record
Deed SaleJan 10, 2024 · Amount on Record
Deed Book / Page16729 / 229
Record UpdatedSep 20, 2026

January 2024: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJan 10, 2024
Property Address597 OVER RIDGE DR, FREDERICK, MD 21703-6037
Document Number0167290229
Book / Page16729 / 229
Map ReferenceMB 15 PL 8
Instrument DateDec 8, 2023
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyPASSPORT TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$972.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address597 OVER RIDGE DR, FREDERICK, MD 21703-6037

Mortgage

Document Number0016729237
DateJan 10, 2024
Instrument16729/237
Lender
NameCATHAY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2054
Interest
Rate TypeAdjustable Rate
Rate7.12%
Type Change DateJan 1, 2029
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change13.1%
Index1-Year T-Bill
Max Rate13.1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$373,367 (+33.06%)$438,100 (+28.48%) Land $167,900 Building $270,200
2025$6,312.00 (+30.74%)
2023$4,828.00 Homeowner's exemption$280,600$341,000 Land $118,900 Building $222,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (2018)
Claims Outside the SFHA2 of 2
Most Recent ClaimJul 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 RiskLow
lower than 98% of the US · lower than 96% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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