715 Monarch Ridge Rd, Frederick, MD 21703 Property Records

Frederick County property record for 715 Monarch Ridge Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,222 sqft · built 1991
Lot Size	0.203 acres (8,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2021)
Tax Bill	$7,110 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-166038`

Property Details

APN / Parcel Number

Primary APN	`02-166038`
Alternative APNs	`2166038` `166038`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,222 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,370 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,839 sqft (0.203 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	166038
Street Address	715 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 56 SEC 1 PLAT 3 8839 SQ FT MONARCH RIDGE
Legal Subdivision	MONARCH RIDGE
Legal Lot Number	56
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	1
Census Block	1006
Census Tract	750506

Owner

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	715 MONARCH RIDGE RD, FREDERICK, MD 21703-2204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 29, 2021	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Aug 3, 2006 · Amount on Record
Deed Book / Page	15135 / 420
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	715 MONARCH RIDGE RD, FREDERICK, MD 21703-2204
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140280128
Date	Aug 31, 2020
Book Page	14028/128

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 29, 2021
Property Address	715 MONARCH RIDGE RD, FREDERICK, MD 21703-2204
Document Number	0151350420
Book / Page	15135 / 420
Map Reference	MB 42 PL 6
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	HUTTON PATT TITLE, HUTTON PATT T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
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 by the Entirety
Address	715 MONARCH RIDGE RD, FREDERICK, MD 21703-2204

Mortgage

Document Number	15135428
Date	Jul 29, 2021
Instrument	15135/428

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$567,100 (+42.88%)	$637,100 (+19.73%) Land $143,800 Building $493,300
2025	$7,110.00 (+12.46%)
2023	$6,322.00	$396,900	$532,100 Land $103,800 Building $428,300

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 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

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 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 / 250

May also be available: Verizon.

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