9659 Ethan Ridge Dr, Frederick, MD 21704 Property Records

Frederick County property record for 9659 Ethan Ridge Dr, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	4 ba · 2,424 sqft · built 2011
Lot Size	0.066 acres (2,880 sqft)
Owner	Individual Name on Record
Last Sale	$429,600 (Oct 2018)
Tax Bill	$6,570 (2023)
Deeds & Mortgages	Feb 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-255845`

Property Details

APN / Parcel Number

Primary APN	`07-255845`
Alternative APN	`255845`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,424 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	255845
Street Address	9659 ETHAN RIDGE DR
City	FREDERICK
State	MD
Zip	21704-7725
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 25416 SECT P-5 2,880 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P-5 PRCL 04F
Legal Lot Number	25416
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1029
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	Individual Name on Record
Mailing Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage IVY MORTGAGE CORP
Oct 3, 2018	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Prior Sale	Aug 26, 2011 · Amount on Record
Deed Document Number	0012653234
Deed Book / Page	12653 / 234
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0157160469
Date	Feb 9, 2022
Book Page	15716/469

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	HERITAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0144360073
Date	Jan 11, 2021
Book Page	14436/73

Lender

Name	IVY MORTGAGE CORP
Type	Subprime Lender
Address	FULTON, MD 20759

Agreement

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

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 3, 2018
Property Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725
Document Number	0126530234
Book / Page	12653 / 0234
Map Reference	MB86 FO91
Instrument Date	Sep 26, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MONOCACY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,074.00
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
Address	9659 ETHAN RIDGE DR, FREDERICK, MD 21704-7725

Mortgage

Document Number	0012653241
Date	Oct 3, 2018
Instrument	12653/241

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	$6,570.00 Homeowner's exemption	$468,300	$485,600 Land $120,000 Building $365,600

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	Direct burnable vegetation

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.

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