Frederick County property record for 703 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,774 sqft · built 1992 |
| Lot Size | 0.191 acres (8,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $354,000 (Jan 2017) |
| Tax Bill | $7,066 (2024) |
| Deeds & Mortgages | Feb 2017 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-165791 |
| Primary APN | 02-165791 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,774 sqft Living Area |
| Gross Area | 3,194 sqft |
| 1st Floor Area | 1,474 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,302 sqft (0.191 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 330 sqft |
| Deck Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 165791 |
|---|---|
| Street Address | 703 MONARCH RIDGE RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 50 SEC 1 PLAT 2 8302 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 50 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 750506 |
703 Monarch Ridge Rd is owned and occupied by two individuals who bought it in January 2017.
Source: Frederick County records, as of August 4, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 703 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 11, 2017 | Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2017 · Amount on File |
| Deed Sale | Jan 11, 2017 · Amount on File |
| Prior Sale | Dec 17, 2015 · Amount on File |
| Deed Document Number | 201711611-0259 |
| Deed Book / Page | 11611 / 259 |
| Prior Transfer Date | Dec 9, 2010 |
| Prior Transfer Doc | 0083220057 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 703 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0116870279 |
| Book / Page | 011687 / 000279 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 703 MONARCH RIDGE RD FREDERICK MD 217032204, FREDERICK, MD 21703-2204 |
| Document Number | 0116870279 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 011687/000279 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 27, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 11, 2017 |
| Property Address | 703 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0116110259 |
| Book / Page | 11611 / 0259 |
| Map Reference | MB42 FO5 |
| Instrument Date | Sep 30, 2016 |
| Instrument | 11611-0259 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 00000 |
| Document Number | 0116110265 |
|---|---|
| Date | Jan 11, 2017 |
| Instrument | 11611-0265 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2046 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $455,100 Land $103,300 Building $351,800 | $455,100 Land $103,300 Building $351,800 | |
| 2024 | $7,066.00 (+7.27%) | ||
| 2023 | $6,587.00 Homeowner's exemption | $380,567 | $455,100 Land $103,300 Building $351,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 703 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 risk around 703 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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