8189 Stone Ridge Dr, Frederick, MD 21702 Property Records

Frederick County property record for 8189 Stone Ridge Dr, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,244 sqft · built 1993
Lot Size	0.747 acres (32,539 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jul 2021)
Tax Bill	$7,270 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-433942`

Property Details

APN / Parcel Number

Primary APN	`21-433942`
Alternative APN	`433942`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,244 sqft Living Area
Gross Area	3,781 sqft
1st Floor Area	1,686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	32,539 sqft (0.747 acres)
Garage Type	Attached
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	7 sqft
Patio Area	442 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	433942
Street Address	8189 STONE RIDGE DR
City	FREDERICK
State	MD
Zip	21702-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 236 SEC 6 PLAT 1 32,539 SQ FT CLOVER HILL III
Legal Subdivision	CLOVER HILL 03
Legal Lot Number	236
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	3
Census Block	3007
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

8189 Stone Ridge Dr is owned and occupied by two individuals who bought it in July 2021.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Aug 17, 2020	Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Feb 18, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on File
Deed Sale	Jul 27, 2021 · Amount on File
Prior Sale	Aug 17, 2020 · Amount on File
Deed Book / Page	15128 / 260
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 27, 2021
Property Address	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450
Document Number	0151280260
Book / Page	15128 / 260
Map Reference	MB 47 PL 31
Instrument Date	Jul 19, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ADVANTAGE SETTLEMENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,437.50
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	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450

Mortgage

Document Number	15128268
Date	Jul 27, 2021
Instrument	15128/268

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 17, 2020
Property Address	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450
Document Number	0139860339
Book / Page	13986 / 339
Map Reference	PL 48 PG 52
Instrument Date	Aug 6, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PEAK SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,425.00
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	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450

Mortgage

Document Number	13986345
Date	Aug 17, 2020
Instrument	13986/345

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8189 STONE RIDGE DR, FREDERICK, MD 21702-9450
Document Number	0117400234
Book / Page	011740 / 000234
Instrument Date	Feb 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8189 STONE RIDGE DR FREDERICK MD 217029450, FREDERICK, MD 21702-9450

Mortgage

Document Number	0117400234
Date	Mar 29, 2017
Book Page	011740/000234

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 28, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8189 Stone Ridge Dr was $7,270.

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

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
2026		$640,300 Land $158,700 Building $481,600	$640,300 Land $158,700 Building $481,600
2025	$7,270.00
2023	$5,746.00	$482,800 Land $96,500 Building $386,300	$482,800 Land $96,500 Building $386,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8189 Stone Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 8189 Stone Ridge Dr is low, with a 0.01% annual chance of 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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