6802 Ruhland Dr, Frederick, MD 21702 Property Records

Frederick County property record for 6802 Ruhland Dr, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,730 sqft · built 1973
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Aug 2026)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-404728`

Property Details

APN / Parcel Number

Primary APN	`20-404728`
Alternative APN	`404728`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	2,018 sqft
1st Floor Area	1,080 sqft
Basement Area	650 sqft
Finished Basement	650 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	96 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	404728
Street Address	6802 RUHLAND DR
City	FREDERICK
State	MD
Zip	21702-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 37, SECT. 2, 0.34 6802 RUHLAND DRIVE CRESTVIEW ESTATES
Legal Subdivision	RUHLAND DRIVE CRESTVIEW ESTATES
Legal Lot Number	37
Jurisdiction	FREDERICK MD
Township / Civil Division	20, LEWISTOWN
Census Block Group	1
Census Block	1027
Census Tract	751302

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 1, 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 Record	2 Individual Names on Record
Mailing Address	6802 RUHLAND DR, FREDERICK, MD 21702-1846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE
Oct 20, 2022	Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Oct 20, 2022 · Amount on Record
Deed Book / Page	18016 / 85
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 21, 2026
Property Address	6802 RUHLAND DR, FREDERICK, MD 21702-1846
Document Number	1801000085
Book / Page	18016 / 85
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$439,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6802 RUHLAND DR, FREDERICK, MD 21702-1846

Mortgage

Document Number	1801000097,
Date	Aug 21, 2026
Book Page	18016/97

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	1801000119,
Date	Aug 21, 2026
Book Page	18016/119

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 20, 2022
Property Address	6802 RUHLAND DR, FREDERICK, MD 21702-1846
Document Number	0161890313
Book / Page	16189 / 313
Map Reference	MB 7 FO 120
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6802 RUHLAND DR, FREDERICK, MD 21702-1846

Mortgage

Document Number	0016189320
Date	Oct 20, 2022
Instrument	16189/320

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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		$299,133 (+6.23%)	$334,200 (+18.68%) Land $130,100 Building $204,100
2025	$3,529.00 (+7.13%)	$281,600 (+13.58%) Land $92,400 Building $189,200	$281,600 (-) Land $92,400 Building $189,200
2024	$3,294.00 (+10.06%)
2023	$2,993.00	$247,933	$281,600 Land $92,400 Building $189,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2003–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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