9691 Royal Crest Cir, Frederick, MD 21704 Property Records

Frederick County property record for 9691 Royal Crest Cir, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,200 sqft · built 2003
Lot Size	0.138 acres (5,993 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Feb 2019)
Tax Bill	$9,693 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-233728`

Property Details

APN / Parcel Number

Primary APN	`07-233728`
Alternative APNs	`7233728` `233728`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,200 sqft Living Area
Gross Area	4,578 sqft
1st Floor Area	1,718 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,993 sqft (0.138 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	30 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	233728
Street Address	9691 ROYAL CREST CIR
City	FREDERICK
State	MD
Zip	21704-7858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25062 SECTION P3 5,993 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25062
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1025
Census Tract	752205

Owner

9691 Royal Crest Cir is owned and occupied by two individuals who bought it in February 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
May 7, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 27, 2022	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 8, 2019	Deed, Transfer · VA Mortgage BLUE RIDGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2019 · Amount on File
Deed Sale	Feb 8, 2019 · Amount on File
Prior Sale	Jun 24, 2004 · Amount on File
Deed Book / Page	12830 / 21
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143880025
Date	Dec 22, 2020
Book Page	14388/25

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FLYNN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137150265
Date	May 7, 2020
Book Page	13715/265

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156870262
Date	Jan 27, 2022
Book Page	15687/262

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2051

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 8, 2019
Property Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858
Document Number	0128300021
Book / Page	12830 / 0021
Map Reference	MB 71 PL 179
Instrument Date	Jan 8, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HOLLMAN & FLYNN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,330.00
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
Relationship	Tenants by the Entirety
Address	9691 ROYAL CREST CIR, FREDERICK, MD 21704-7858

Mortgage

Document Number	0128300029
Date	Feb 8, 2019
Book Page	12830/0029

Lender

Name	BLUE RIDGE BANK
Type	Bank
Address	GREENSBORO, NC 27409

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9691 Royal Crest Cir was $9,693.

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		$744,833	$804,500 Land $225,400 Building $579,100
2025	$9,693.00
2023	$8,312.00	$585,100	$625,500 Land $175,400 Building $450,100

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

Flood

FEMA maps place 9691 Royal Crest Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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

Wildfire risk around 9691 Royal Crest Cir 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	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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