Frederick County property record for 729 Monarch Ridge Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,058 sqft · built 1993 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Jun 2021) |
| Tax Bill | $7,484 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-166135 |
| Primary APN | 02-166135 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,352 sqft |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 166135 |
|---|---|
| Street Address | 729 MONARCH RIDGE RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 63 SEC 1 PLAT 3 7000 SQ FT MONARCH RIDGE |
| Legal Subdivision | MONARCH RIDGE |
| Legal Lot Number | 63 |
| 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 | 729 MONARCH RIDGE RD, FREDERICK, MD 21703-2227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2020 | Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK |
| Jun 17, 2021 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2021 · Amount on Record |
| Deed Sale | Jun 17, 2021 · Amount on Record |
| Prior Sale | Jan 21, 2010 · Amount on Record |
| Deed Book / Page | 14999 / 261 |
| Prior Transfer Date | Jan 13, 2010 |
| Prior Transfer Doc | 0076770159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 729 MONARCH RIDGE RD, FREDERICK, MD 21703-2227 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 729 MONARCH RIDGE RD, FREDERICK, MD 21703-2227 |
| Document Number | 0140300224 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 14030/224 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | HAGERSTOWN, MD 21742 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 17, 2021 |
| Property Address | 729 MONARCH RIDGE RD, FREDERICK, MD 21703-2227 |
| Document Number | 0149990261 |
| Book / Page | 14999 / 261 |
| Map Reference | MB 42 PG 6 |
| Instrument Date | Dec 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | NORTH FRONTIER TITLE & ESCROW LLC, NORTH FRONTIER T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 729 MONARCH RIDGE RD, FREDERICK, MD 21703-2227 |
| Document Number | 0014999268 |
|---|---|
| Date | Jun 17, 2021 |
| Instrument | 14999/268 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 15, 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 | $433,667 (+7.03%) | $490,600 (+21.08%) Land $142,000 Building $348,600 | |
| 2025 | $7,484.00 (+8.64%) | $405,200 (+20.24%) Land $102,000 Building $303,200 | $405,200 (-) Land $102,000 Building $303,200 |
| 2024 | $6,889.00 (+12.09%) | ||
| 2023 | $6,146.00 | $337,000 | $405,200 Land $102,000 Building $303,200 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 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 |
| Verizon Fixed Wireless | 300 / 20 |
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