9701 Royal Crest Cir, Frederick, MD 21704 Property Records

Frederick County property record for 9701 Royal Crest Cir, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,556 sqft · built 2003
Lot Size	0.206 acres (8,967 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Aug 2006)
Tax Bill	$9,636 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-224559`

Property Details

APN / Parcel Number

Primary APN	`07-224559`
Alternative APNs	`7224559` `224559`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,556 sqft Living Area
Gross Area	4,996 sqft
1st Floor Area	2,038 sqft
Basement Area	680 sqft
Finished Basement	680 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	8,967 sqft (0.206 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224559
Street Address	9701 ROYAL CREST CIR
City	FREDERICK
State	MD
Zip	21704-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25053 SEC P3 8,967 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P3
Legal Lot Number	25053
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1025
Census Tract	752205

Owner

9701 Royal Crest Cir is owned and occupied by two individuals who bought it in August 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	9701 ROYAL CREST CIR, FREDERICK, MD 21704-7801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW YORK COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2006 · Amount on File
Deed Sale	Aug 25, 2006 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	200665902
Deed Book / Page	6192 / 227
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9701 ROYAL CREST CIR, FREDERICK, MD 21704-7801
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122350467
Date	Jan 17, 2018
Book Page	12235/0467
Instrument	12235-0467

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9701 ROYAL CREST CIR, FREDERICK, MD 21704-7801
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120630458
Date	Oct 4, 2017
Book Page	12063/0458
Instrument	12063-0458

Lender

Name	NEW YORK COMMUNITY BANK
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 9701 Royal Crest Cir was $9,636 with a homeowner's exemption.

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		$790,367	$858,000 Land $226,900 Building $631,100
2025	$9,636.00
2023	$8,743.00 Homeowner's exemption	$612,367	$655,100 Land $176,900 Building $478,200

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

Flood

FEMA maps place 9701 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 9701 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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