8117 Laurel Ridge Rd, Frederick, MD 21702 Property Records

Frederick County property record for 8117 Laurel Ridge Rd, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,220 sqft · built 1989
Lot Size	0.419 acres (18,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (May 2019)
Tax Bill	$4,531 (2023)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-432636`

Property Details

APN / Parcel Number

Primary APN	`21-432636`
Alternative APN	`432636`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,220 sqft Total Area
1st Floor Area	1,142 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,291 sqft (0.419 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	68 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	432636
Street Address	8117 LAUREL RIDGE RD
City	FREDERICK
State	MD
Zip	21702-2992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 52 PL 3 SECT 4 18291 SQ FT CLOVER HILL III
Legal Subdivision	CLOVER HILL 03 SEC 04 03
Legal Lot Number	52
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	3
Census Block	3025
Census Tract	751201

Historic Designation

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.

Owner

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	2 Individual Names on Record
Mailing Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 17, 2020	Deed of Trust, Mortgage · Conventional with PMI PRIME LNDG
May 14, 2019	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Dec 1, 2011 · Amount on Record
Deed Document Number	0012968305
Deed Book / Page	12968 / 305
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992

Mortgage

Document Number	0158720001
Date	Apr 22, 2022
Book Page	15872/1

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153790260
Date	Oct 14, 2021
Book Page	15379/260

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992
Document Number	0138650118
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	MIDDLETOWN VALLEY TITLE ESCROW LL, MIDDLETOWN VLY TITLE ESCROW LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8117 LAUREL RIDGE RD FREDERICK MD 217022992, FREDERICK, MD 21702-2992

Mortgage

Document Number	0138650118
Date	Jun 30, 2020
Book Page	013865/000118

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 14, 2019
Property Address	8117 LAUREL RIDGE RD, FREDERICK, MD 21702-2992
Document Number	0129680305
Book / Page	012968 / 000305
Instrument Date	May 10, 2019
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8117 LAUREL RIDGE RD FREDERICK MD 217022992, FREDERICK, MD 21702-2992

Mortgage

Document Number	129680311
Date	May 14, 2019
Book Page	012968/000311

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,531.00 Homeowner's exemption	$379,500 Land $82,200 Building $297,300	$379,500 Land $82,200 Building $297,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Glo Fiber, Verizon.

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