9705 Ethan Ridge Ave, Frederick, MD 21704 Property Records

Frederick County property record for 9705 Ethan Ridge Ave, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,276 sqft · built 2009
Lot Size	0.253 acres (11,034 sqft)
Owner	2 Individual Names on Record
Last Sale	$443,090 (Oct 2009)
Tax Bill	$9,407 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-252609`

Property Details

APN / Parcel Number

Primary APN	`07-252609`
Alternative APN	`252609`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,276 sqft Living Area
Gross Area	4,716 sqft
1st Floor Area	1,578 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,034 sqft (0.253 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	252609
Street Address	9705 ETHAN RIDGE AVE
City	FREDERICK
State	MD
Zip	21704-7395
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 20058 SECT M-20 11,034 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-20 PRCL 02
Legal Lot Number	20058
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1047
Census Tract	752205

Owner

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

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	9705 ETHAN RIDGE AVE, FREDERICK, MD 21704-7395
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage IVY MORTGAGE CORP
Jan 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2009 · Amount on Record
Deed Sale	Oct 5, 2009 · Amount on Record
Deed Document Number	20094227
Deed Book / Page	7537 / 346
Last Transfer Date	May 4, 2020
Transfer Doc	0144200091
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9705 ETHAN RIDGE AVE, FREDERICK, MD 21704-7395
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9705 ETHAN RIDGE AVE, FREDERICK, MD 21704-7395

Mortgage

Document Number	0147710197
Date	Apr 14, 2021
Book Page	14771/197

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2036

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jan 6, 2021
Property Address	9705 ETHAN RIDGE AVE, FREDERICK, MD 21704-7395
Document Number	0144200091
Book / Page	14420 / 91
Map Reference	MB 85 PL 198
Instrument Date	May 4, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	EQUITY SETTLEMENT SVCS INC

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	Tenants by the Entirety
Address	9705 ETHAN RIDGE AVE, FREDERICK, MD 21704-7395

Mortgage

Document Number	1442097
Date	Jan 6, 2021
Instrument	14420/97

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	May 1, 2035

Tax Assessment & Valuation

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		$793,633 (+7.28%)	$847,500 (-) Land $278,900 Building $568,600
2025	$9,407.00 (+2.91%) Homeowner's exemption	$739,767 (+18.04%)	$847,500 (+23.56%) Land $278,900 Building $568,600
2024	$9,141.00 (+7.19%)
2023	$8,528.00 Homeowner's exemption	$626,700	$685,900 Land $203,000 Building $482,900

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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