6109 Pine Ridge Ter, Frederick, MD 21701 Property Records

Frederick County property record for 6109 Pine Ridge Ter, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,340 sqft · built 1997
Lot Size	0.036 acres (1,600 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jan 2020)
Tax Bill	$3,452 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-292985`

Property Details

APN / Parcel Number

Primary APN	`09-292985`
Alternative APNs	`9292985` `292985`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,340 sqft Total Area
1st Floor Area	700 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,600 sqft (0.036 acres)
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	292985
Old Parcel Number	9292985
Street Address	6109 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 883 PLAT 63 SEC. E2-1600 SQ. FT. SPRING RIDGE PUD
Legal Subdivision	SPRING RIDGE PUD
Legal Lot Number	883
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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 29, 2020	Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2020 · Amount on Record
Deed Sale	Jan 29, 2020 · Amount on Record
Prior Sale	Feb 3, 2005 · Amount on Record
Deed Document Number	0013495184
Deed Book / Page	13495 / 184
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	0156610364
Date	Jan 14, 2022
Book Page	15661/364

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	0144520428
Date	Jan 14, 2021
Book Page	14452/428

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 29, 2020
Property Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633
Document Number	0134950184
Book / Page	13495 / 0184
Map Reference	MB 55 PL 177
Instrument Date	Jan 24, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$662.50
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 by the Entirety
Address	6109 PINE RIDGE TER, FREDERICK, MD 21701-7633

Mortgage

Document Number	134950192
Date	Jan 29, 2020
Instrument	13495/0192

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,452.00	$287,033	$303,500 Land $110,000 Building $193,500

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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