Frederick County property record for 707 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,326 sqft · built 1991 |
| Lot Size | 0.287 acres (12,495 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $204,000 (Jun 2000) |
| Tax Bill | $8,178 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit May 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-165988 |
| Primary APN | 02-165988 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,326 sqft Living Area |
| Gross Area | 2,810 sqft |
| 1st Floor Area | 1,374 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 | 12,495 sqft (0.287 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 165988 |
|---|---|
| Street Address | 707 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 52 SEC 1 PLAT 3 12495 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RDG |
| Legal Lot Number | 52 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 707 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2023 | Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION |
| May 18, 2021 | Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION |
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2000 · Amount on Record |
| Deed Sale | Jun 1, 2000 · Amount on Record |
| Prior Sale | Aug 6, 1996 · Amount on Record |
| Deed Document Number | 20003201 |
| Deed Book / Page | 2718 / 721 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 707 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0167070208 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 16707/208 |
| Name | SKYPOINT FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 707 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0149000228 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 14900/228 |
| Name | SKYPOINT FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 17, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 707 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 707 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0147790081 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 14779/81 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
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 | $473,200 (+27.82%) | $533,200 (+20.31%) Land $147,400 Building $385,800 | |
| 2025 | $8,178.00 (+21.28%) | ||
| 2023 | $6,743.00 | $370,200 | $443,200 Land $107,400 Building $335,800 |
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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