Frederick County property record for 709 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,032 sqft · built 1991 |
| Lot Size | 0.226 acres (9,853 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Sep 2017) |
| Tax Bill | $8,572 (2025) |
| Deeds & Mortgages | Feb 2019 Loan Modification Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-165996 |
| Primary APN | 02-165996 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,032 sqft Living Area |
| Gross Area | 3,452 sqft |
| 1st Floor Area | 1,452 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 | 9,853 sqft (0.226 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 150 sqft |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 165996 |
|---|---|
| Street Address | 709 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 53 SEC 1 PLAT 3 9853 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 53 |
| 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 | 709 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 20, 2019 | Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Feb 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Sep 6, 2017 | Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2017 · Amount on Record |
| Deed Sale | Sep 6, 2017 · Amount on Record |
| Prior Sale | Jun 14, 2011 · Amount on Record |
| Deed Document Number | 201712013-0001 |
| Deed Book / Page | 12013 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 709 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0128600162 |
| Instrument Date | Feb 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 709 MONARCH RIDGE RD FREDERICK MD 217032204, FREDERICK, MD 21703-2204 |
| Document Number | 0128600162 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 012860/000162 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2049 |
| Rate | 5.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 709 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0128670257 |
| Instrument Date | Feb 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2019 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 709 MONARCH RIDGE RD FREDERICK MD 217032204, FREDERICK, MD 21703-2204 |
| Document Number | 0128670257 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 012867/000257 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 6, 2017 |
| Property Address | 709 MONARCH RIDGE RD, FREDERICK, MD 21703-2204 |
| Document Number | 0120130001 |
| Book / Page | 012013 / 000001 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | MICHAELS TITLE AND ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 MONARCH RIDGE RD FREDERICK MD 217032204, FREDERICK, MD 21703-2204 |
| Document Number | 120130007 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 012013/000007 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2047 |
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 | $496,000 (+6.71%) | $558,400 (+20.14%) Land $144,800 Building $413,600 | |
| 2025 | $8,572.00 (+21.4%) | $464,800 (+19.81%) Land $104,800 Building $360,000 | $464,800 (-) Land $104,800 Building $360,000 |
| 2023 | $7,061.00 | $387,933 | $464,800 Land $104,800 Building $360,000 |
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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