Frederick County property record for 604 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,876 sqft · built 1995 |
| Lot Size | 0.276 acres (12,013 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,000 (Feb 2026) |
| Tax Bill | $7,893 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-165244 |
| Primary APN | 02-165244 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,876 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,013 sqft (0.276 acres) |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 165244 |
|---|---|
| Street Address | 604 MONARCH RIDGE RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 3 SEC 1 PLAT 1 12013 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 750506 |
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 | 604 MONARCH RIDGE RD, FREDERICK, MD 21703-2200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITY LENDING INC |
| Nov 17, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage NEW AMERICA FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2026 · Amount on Record |
| Deed Sale | Feb 9, 2026 · Amount on Record |
| Prior Sale | Nov 17, 2017 · Amount on Record |
| Deed Book / Page | 17716 / 119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 604 MONARCH RIDGE RD, FREDERICK, MD 21703-2200 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 604 MONARCH RIDGE RD, FREDERICK, MD 21703-2200 |
| Document Number | 0147600458 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 14760/458 |
| Name | CITY LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | VIENNA, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 17, 2017 |
| Property Address | 604 MONARCH RIDGE RD, FREDERICK, MD 21703-2200 |
| Document Number | 0121370431 |
| Book / Page | 12137 / 0431 |
| Map Reference | MB42 PG4 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 12137-0431 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | COSMOPOLITAN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,164.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 MONARCH RIDGE RD, 604, FREDERICK, MD 21703-2200 |
| Name | Verified Name |
|---|---|
| Address | 604 MONARCH RIDGE RD, FREDERICK, MD 21703-2200 |
| Document Number | 121370438 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 12137-0438 |
| Name | NEW AMERICA FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jul 1, 2047 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $455,833 (+6.6%) | $512,300 (+19.81%) Land $147,000 Building $365,300 | |
| 2025 | $7,893.00 (+20.38%) | $427,600 (+18.82%) Land $107,000 Building $320,600 | $427,600 (-) Land $107,000 Building $320,600 |
| 2023 | $6,557.00 | $359,867 | $427,600 Land $107,000 Building $320,600 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 478 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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