8409 Sandia Ct, Frederick, MD 21704 Property Records

Frederick County property record for 8409 Sandia Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,844 sqft · built 2018
Lot Size	3.93 acres (171,191 sqft)
Owner	Individual Name on Record
Last Sale	$746,686 (Dec 2018)
Tax Bill	$9,882 (2023)
Deeds & Mortgages	Feb 2023 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-595598`

Property Details

APN / Parcel Number

Primary APN	`07-595598`
Alternative APN	`595598`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,844 sqft Total Area
Gross Area	2,874 sqft
Basement Area	1,700 sqft
Finished Basement	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	171,191 sqft (3.93 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	595598
Street Address	8409 SANDIA CT
City	FREDERICK
State	MD
Zip	21704-8043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 PLAT 1 3.93 ACRES RAMSBURG ESTATES
Legal Subdivision	ACRES RAMSBURG ESTATES
Legal Lot Number	26
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1015
Census Tract	752201

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8409 SANDIA CT, FREDERICK, MD 21704-8043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Sep 24, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU OF MARYLAND INC
Dec 11, 2018	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	0012748495
Deed Book / Page	12748 / 495
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8409 SANDIA CT, FREDERICK, MD 21704-8043
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0163330162
Date	Feb 16, 2023
Book Page	16333/162

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	8409 SANDIA CT, FREDERICK, MD 21704-8043
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132300026
Date	Sep 24, 2019
Book Page	13230/0026

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 11, 2018
Property Address	8409 SANDIA CT, FREDERICK, MD 21704-8043
Document Number	0127480495
Book / Page	12748 / 0495
Map Reference	MB100 PL164
Instrument Date	Nov 28, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,733.43
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8409 SANDIA CT, FREDERICK, MD 21704-8043

Mortgage

Document Number	0012748500
Date	Dec 11, 2018
Instrument	12748/500

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

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	$9,882.00 Homeowner's exemption	$835,733	$873,800 Land $258,300 Building $615,500

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
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 68 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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