619 Monarch Ridge Rd, Frederick, MD 21703 Property Records

Frederick County property record for 619 Monarch Ridge Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,638 sqft · built 1991
Lot Size	0.198 acres (8,624 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (May 2006)
Tax Bill	$7,653 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-165821`

Property Details

APN / Parcel Number

Primary APN	`02-165821`
Alternative APNs	`2165821` `165821`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,638 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	1,546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Garage Type	Attached
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces
Deck Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	165821
Street Address	619 MONARCH RIDGE RD
City	FREDERICK
State	MD
Zip	21703-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LT 47R SEC 1 PLAT 2 8624 SQ. FT. MONARCH RIDGE
Legal Subdivision	MONARCH RDG
Legal Lot Number	47R
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	1
Census Block	1006
Census Tract	750506

Owner

619 Monarch Ridge Rd is owned and occupied by an individual who bought it in May 2006.

Source: Frederick County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	619 MONARCH RIDGE RD, FREDERICK, MD 21703-2201
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2006 · Amount on File
Deed Sale	May 11, 2006 · Amount on File
Prior Sale	Oct 4, 1994 · Amount on File
Deed Document Number	200663288
Deed Book / Page	6006 / 725
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	619 MONARCH RIDGE RD, FREDERICK, MD 21703-2201
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0163580196
Date	Mar 10, 2023
Book Page	16358/196

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 10, 2038

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	619 MONARCH RIDGE RD, FREDERICK, MD 21703-2201
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 MONARCH RIDGE RD, FREDERICK, MD 21703-2201

Mortgage

Document Number	0154380001
Date	Oct 28, 2021
Book Page	15438/1

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jun 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	619 MONARCH RIDGE RD, FREDERICK, MD 21703-2201
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157860080
Date	Mar 10, 2022
Book Page	15786/80

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 619 Monarch Ridge Rd was $7,653 with a homeowner's exemption.

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		$503,333	$566,600 Land $143,600 Building $423,000
2025	$7,653.00
2023	$6,805.00 Homeowner's exemption	$393,767	$471,700 Land $103,600 Building $368,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 619 Monarch Ridge Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 619 Monarch Ridge Rd is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 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 / 250

May also be available: Verizon.

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