6105 Pine Ridge Ter, Frederick, MD 21701 Property Records

Frederick County property record for 6105 Pine Ridge Ter, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,641 sqft · built 1997
Lot Size	0.037 acres (1,600 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jun 2021)
Tax Bill	$3,933 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-292969`

Property Details

APN / Parcel Number

Primary APN	`09-292969`
Alternative APNs	`9292969` `292969`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,641 sqft Living Area
1st Floor Area	701 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,600 sqft (0.037 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	292969
Street Address	6105 PINE RIDGE TER
City	FREDERICK
State	MD
Zip	21701-7633
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 885 PLAT 63 SEC. E2-1600 SQ. FT. SPRING RIDGE PUD
Legal Subdivision	SPRING RDG 63 SEC E2
Legal Lot Number	885
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2008
Census Tract	751902

Historic Designation

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.

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	Individual Name on Record
Mailing Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit PRESIDENTIAL BANK FSB
Sep 1, 2023	Intrafamily Transfer, Transfer
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PRESIDENTIAL BANK FSB
Jun 17, 2021	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Apr 29, 1998 · Amount on Record
Deed Book / Page	14996 / 192
Last Transfer Date	Feb 20, 2025
Transfer Doc	0172490247
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	0165890127
Date	Sep 6, 2023
Book Page	16589/127

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 1, 2023
Property Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633
Document Number	0165850054
Book / Page	16585 / 54
Map Reference	MB 55 PG 177
Instrument Date	Aug 1, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	0149960217
Date	Jun 17, 2021
Book Page	14996/217

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 1, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 17, 2021
Property Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633
Document Number	0149960192
Book / Page	14996 / 192
Map Reference	MB 55 PG 177
Instrument Date	May 21, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	6105 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	0014996199
Date	Jun 17, 2021
Instrument	14996/199

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$340,167 (+5.6%)	$358,200 (-) Land $120,000 Building $238,200
2025	$3,933.00 (+5.93%)	$322,133 (+11.99%)	$358,200 (+17.79%) Land $120,000 Building $238,200
2024	$3,713.00 (+8.31%)
2023	$3,428.00 Homeowner's exemption	$287,633	$304,100 Land $110,000 Building $194,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 275 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: Verizon.

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