Frederick County property record for 705 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,640 sqft · built 1991 |
| Lot Size | 0.227 acres (9,884 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,536 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-165783 |
| Primary APN | 02-165783 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,540 sqft Living Area |
| Gross Area | 3,965 sqft |
| 1st Floor Area | 1,548 sqft |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,884 sqft (0.227 acres) |
| Garage Type | Attached |
| Garage Area | 425 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 165783 |
|---|---|
| Street Address | 705 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 51 SEC 1 PLAT 2 9884 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 51 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 750506 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 705 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 1, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2007 |
| Deed Sale | May 25, 2007 |
| Prior Sale | Nov 22, 2006 · Amount on Record |
| Deed Document Number | 200772848 |
| Deed Book / Page | 6599 / 645 |
| Prior Transfer Date | May 2, 2007 |
| Prior Transfer Doc | 0065990645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 705 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Name | Verified Name |
|---|
| Document Number | 0177400406 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 17740/406 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 705 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|
| Document Number | 0175380107 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 17538/107 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 8, 2026 |
| Property Address | 705 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 1780000132 |
| Book / Page | 17807 / 132 |
| Instrument Date | Sep 25, 2025 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 705 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 1780000132, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 17807/132 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 174 Months |
| Due | Oct 1, 2040 |
| Rate | 6.56% |
|---|---|
| Max Rate | -1% |
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 | $517,133 (+10.36%) | $614,200 (+31.07%) Land $144,800 Building $469,400 | |
| 2025 | $7,536.00 (+4.84%) Homeowner's exemption | $468,600 (+20.44%) Land $104,800 Building $363,800 | $468,600 (-) Land $104,800 Building $363,800 |
| 2024 | $7,188.00 (+7.28%) | ||
| 2023 | $6,700.00 Homeowner's exemption | $389,067 | $468,600 Land $104,800 Building $363,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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