Frederick County property record for 706 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,992 sqft · built 1991 |
| Lot Size | 0.17 acres (7,396 sqft) |
| Owner | Individual Name on File |
| Last Sale | $369,000 (Nov 2018) |
| Tax Bill | $8,490 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-166348 |
| Primary APN | 02-166348 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,992 sqft Living Area |
| Gross Area | 3,432 sqft |
| 1st Floor Area | 1,270 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 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 | 7,396 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 78 sqft |
| Deck Area | 216 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 166348 |
|---|---|
| Street Address | 706 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 82 SEC 1 PLAT 3 7396 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 82 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 750506 |
706 Monarch Ridge Rd is owned and occupied by an individual who bought it in November 2018.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 706 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| 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 |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Nov 29, 2018 | Deed, Transfer · FHA Mortgage US BANK NA |
| Aug 30, 2017 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2018 · Amount on File |
| Deed Sale | Nov 29, 2018 · Amount on File |
| Prior Sale | Aug 30, 2017 · Amount on File |
| Deed Book / Page | 12729 / 181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 706 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0148620193 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 14862/193 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 29, 2018 |
| Property Address | 706 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Document Number | 0127290181 |
| Book / Page | 12729 / 0181 |
| Map Reference | MB42 PG6 |
| Instrument Date | Aug 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | BRENNAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,845.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 706 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Document Number | 0012729189 |
|---|---|
| Date | Nov 29, 2018 |
| Instrument | 12729/189 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 30, 2017 |
| Property Address | 706 MONARCH RIDGE RD, FREDERICK, MD 21703-2203 |
| Document Number | 0120060158 |
| Book / Page | 012006 / 000158 |
| Instrument Date | Aug 23, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 706 MONARCH RIDGE RD FREDERICK MD 217032203, FREDERICK, MD 21703-2203 |
| Document Number | 120060165 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 012006/000165 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2047 |
The 2025 property tax bill for 706 Monarch Ridge Rd was $8,490.
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 | $491,433 | $553,700 Land $142,300 Building $411,400 | |
| 2025 | $8,490.00 | ||
| 2023 | $7,009.00 | $385,033 | $460,300 Land $102,300 Building $358,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 706 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 706 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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