9639 Ethan Ridge Dr, Frederick, MD 21704 Property Records

Frederick County property record for 9639 Ethan Ridge Dr, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 3,640 sqft · built 2012
Lot Size	0.066 acres (2,880 sqft)
Owner	Individual Name on Record
Last Sale	$552,500 (Dec 2022)
Tax Bill	$7,014 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-256094`

Property Details

APN / Parcel Number

Primary APN	`07-256094`
Alternative APN	`256094`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,640 sqft Living Area
Gross Area	4,120 sqft
1st Floor Area	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,880 sqft (0.066 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	256094
Street Address	9639 ETHAN RIDGE DR
City	FREDERICK
State	MD
Zip	21704-7725
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 25421 SECT P-5 2,880 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P-5
Legal Lot Number	25421
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1025
Census Tract	752205

Owner

Source: Frederick County records, as of September 9, 2025

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
Mailing Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed, Transfer · Conventional Mortgage TOWER FCU
Aug 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2022 · Amount on Record
Deed Sale	Dec 27, 2022 · Amount on Record
Prior Sale	Mar 28, 2012 · Amount on Record
Prior Transfer Date	Feb 25, 2021
Prior Transfer Doc	0151520001
Record Updated	Jun 8, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 27, 2022
Property Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0162720131
Book / Page	16272 / 131
Map Reference	MB 86 FO 92
Instrument Date	Dec 16, 2022
Transaction Type	Transfer
Record Updated	Jan 6, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,381.25
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 in Severalty
Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0016272139
Date	Dec 27, 2022
Instrument	16272/139

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	10%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Aug 3, 2021
Property Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0151520001
Book / Page	15152 / 1
Map Reference	MB 86 FO 92
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0000151525
Date	Aug 3, 2021
Instrument	15152/5

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0137230155
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9639 ETHAN RIDGE DR FREDERICK MD 217047725, FREDERICK, MD 21704-7725

Mortgage

Document Number	0137230155
Date	May 11, 2020
Book Page	013723/000155

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9639 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0129390317
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	9639 ETHAN RIDGE DR FREDERICK MD 217047725, FREDERICK, MD 21704-7725

Mortgage

Document Number	0129390317
Date	Apr 26, 2019
Book Page	012939/000317

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$547,367 (+17.56%)	$659,300 (+34.17%) Land $140,000 Building $519,300
2024	$7,014.00 (+7.26%)
2023	$6,539.00	$465,600	$491,400 Land $120,000 Building $371,400

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	3 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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	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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 523 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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