Frederick County property record for 8105 Stone Ridge Dr, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,164 sqft · built 1989 |
| Lot Size | 0.353 acres (15,399 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $399,900 (Jun 2018) |
| Tax Bill | $4,010 (2023) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-431052 |
| Primary APN | 21-431052 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,164 sqft Total Area |
| Gross Area | 2,215 sqft |
| 1st Floor Area | 1,111 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,399 sqft (0.353 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 65 sqft |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 431052 |
|---|---|
| Street Address | 8105 STONE RIDGE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21702-9424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 15 PLAT 5 SECT 1 15399 SQ. FT. CLOVER HILL III |
| Legal Subdivision | CLOVER HILL 03 SEC 01 05 |
| Legal Lot Number | 15 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 21, TUSCARORA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 751201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Frederick County records, as of September 25, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 1, 2018 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2018 · Amount on Record |
| Deed Sale | Jun 1, 2018 · Amount on Record |
| Prior Sale | Feb 25, 1998 · Amount on Record |
| Deed Document Number | 0012441434 |
| Deed Book / Page | 12441 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 11, 2026 |
| Property Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Document Number | 1804000409 |
| Book / Page | 18044 / 409 |
| Instrument Date | Sep 2, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Document Number | 1804000409, |
|---|---|
| Date | Sep 11, 2026 |
| Book Page | 18044/409 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0150850482 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 15085/482 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 1, 2018 |
| Property Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Document Number | 0124410434 |
| Book / Page | 12441 / 0434 |
| Map Reference | MB35 PG156 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MONOCACY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $999.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8105 STONE RIDGE DR, FREDERICK, MD 21702-9424 |
| Document Number | 0012441441 |
|---|---|
| Date | Jun 1, 2018 |
| Instrument | 12441/441 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,010.00 | $334,700 Land $79,300 Building $255,400 | $334,700 Land $79,300 Building $255,400 |
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 |
| Nearby Flood Policies | 3 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLOVERHILL 3 - CONSECUTIVE TO MD0100015 serves 888 people · EPA ID MD0100031 |
|---|---|
| Water Source | Purchased surface water from CITY OF FREDERICK |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2017) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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