705 Ridge Rd, Mount Airy, MD 21771 Property Records

Howard County property record for 705 Ridge Rd, Mount Airy, MD 21771

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,344 sqft · built 1970
Lot Size	0.555 acres (24,175 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Dec 2022)
Tax Bill	$6,342 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-325877`

Property Details

APN / Parcel Number

Primary APN	`04-325877`
Alternative APNs	`4325877` `325877`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,344 sqft Total Area
Basement Area	860 sqft
Finished Basement	860 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,175 sqft (0.555 acres)

Exterior Amenities

Deck Area	160 sqft
Patio Area	336 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	325877
Street Address	705 RIDGE RD
City	MOUNT AIRY
State	MD
Zip	21771-3911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCDEO
Legal Description	.555 ACRE 705 RIDGE RD PENN SHOP RD
Jurisdiction	HOWARD MD
Township / Civil Division	4, LISBON
Census Block Group	3
Census Block	3007
Census Tract	604001

Owner

Source: Howard County assessment roll, as of August 4, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Dec 1, 2022	Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP
Mar 29, 2019	Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP
Feb 26, 2018	Grant Deed, Transfer HARD MONEY BANKERS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Book / Page	21812 / 76
Transfer Doc	0000004791
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911

Mortgage

Document Number	0229210200
Date	Sep 18, 2025
Book Page	22921/200

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Dec 1, 2052

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 1, 2022
Property Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911
Document Number	0218120076
Book / Page	21812 / 76
Instrument Date	Nov 16, 2022
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	PINNACLE SETTLEMENT SERVICES, PINNACLE SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911

Mortgage

Document Number	0002181284
Date	Dec 1, 2022
Instrument	21812/84

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Mar 29, 2019
Property Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911
Document Number	0186010117
Book / Page	18601 / 117
Instrument Date	Mar 20, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KENSINGTON REALTY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,830.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911

Mortgage

Document Number	0018601122
Date	Mar 29, 2019
Instrument	18601/122

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 26, 2018
Property Address	705 RIDGE RD, MOUNT AIRY, MD 21771-3911
Document Number	0180630428
Book / Page	018063 / 000428
Instrument Date	Jan 25, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	705 RIDGE RD MOUNT AIRY MD 217713911, MOUNT AIRY, MD 21771-3911

Mortgage

Document Number	180630437
Date	Feb 26, 2018
Book Page	018063/000437

Lender

Name	HARD MONEY BANKERS
Type	Funding / Finance Company
Address	COLUMBIA, MD 21046

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$470,367 (+12.34%)	$573,700 (+37.02%) Land $296,500 Building $277,200
2025	$6,342.00 (+52.27%)	$418,700 (+8.42%) Land $201,500 Building $217,200	$418,700 (-) Land $201,500 Building $217,200
2023		$386,167	$418,700 Land $201,500 Building $217,200
2022	$4,165.00

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 October 31, 2023 · 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 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · other causes

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	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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