9643 Ethan Ridge Dr, Frederick, MD 21704 Property Records

Frederick County property record for 9643 Ethan Ridge Dr, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	4 ba · 2,400 sqft · built 2011
Lot Size	0.066 acres (2,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,365 (Dec 2011)
Tax Bill	$6,502 (2023)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-255896`

Property Details

APN / Parcel Number

Primary APN	`07-255896`
Alternative APN	`255896`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,400 sqft Total Area
Basement Area	720 sqft
Finished Basement	720 sqft

Exterior

Year Built	Built 2011
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,880 sqft (0.066 acres)
Garage Type	Basement
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	255896
Street Address	9643 ETHAN RIDGE DR
City	FREDERICK
State	MD
Zip	21704-7725
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 25420 SECT P-5 2,880 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P-5 PRCL 04F
Legal Lot Number	25420
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 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	9643 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Oct 26, 2016	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2011 · Amount on Record
Deed Sale	Dec 21, 2011 · Amount on Record
Deed Document Number	0008658478
Deed Book / Page	8658 / 478
Record Updated	Jun 7, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9643 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Transaction Type	Mortgage
Record Updated	May 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9643 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0168420106
Date	Apr 29, 2024
Book Page	16842/106

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 15, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9643 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145230207
Date	Feb 8, 2021
Book Page	14523/207

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9643 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0116290207
Book / Page	011629 / 000207
Instrument Date	Oct 26, 2016
Transaction Type	Mortgage
Record Updated	Jun 26, 2017
Title Company	MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9643 ETHAN RIDGE DR FREDERICK MD 217047725, FREDERICK, MD 21704-7725

Mortgage

Document Number	0116290207
Date	Jan 20, 2017
Book Page	011629/000207

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

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	$6,502.00	$462,433	$479,500 Land $120,000 Building $359,500

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	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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