Frederick County property record for 704 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,144 sqft · built 1992 |
| Lot Size | 0.174 acres (7,574 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,210 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-166356 |
| Primary APN | 02-166356 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,144 sqft Living Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 1,256 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 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 | 7,574 sqft (0.174 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 166356 |
|---|---|
| Street Address | 704 MONARCH RIDGE RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 83 SEC 1 PLAT 3 7574 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RDG SEC 01 03 |
| Legal Lot Number | 83 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 750506 |
704 Monarch Ridge Rd is owned and occupied by two individuals who acquired it in October 2012.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 1998 |
| Deed Sale | Oct 21, 1998 |
| Deed Document Number | 19986407 |
| Deed Book / Page | 2485 / 924 |
| Last Transfer Date | Oct 24, 2012 |
| Transfer Doc | 0091940165 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 704 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 704 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Document Number | 0168580171 |
|---|---|
| Date | May 13, 2024 |
| Book Page | 16858/171 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 3, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 704 Monarch Ridge Rd was $7,210 with a homeowner's exemption, up 4.8% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $511,133 (+6.69%) | $575,200 (+20.06%) Land $142,500 Building $432,700 | |
| 2025 | $7,210.00 (+4.84%) Homeowner's exemption | $479,100 Land $102,500 Building $376,600 | $479,100 Land $102,500 Building $376,600 |
| 2024 | $6,877.00 (+7.27%) | ||
| 2023 | $6,411.00 | $382,367 | $479,100 Land $102,500 Building $376,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 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 704 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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