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9705 Royal Crest Cir, Frederick, MD 21704 Property Records

Frederick County property record for 9705 Royal Crest Cir, Frederick, MD 21704

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 5,170 sqft · built 2003
Lot Size0.179 acres (7,800 sqft)
Owner2 Individual Names on File
Last Sale$505,900 (Dec 2008)
Tax Bill$10,643 (2025)
Deeds & MortgagesNov 2021 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN07-224532

Property Details

APN / Parcel Number

Primary APN07-224532
Alternative APNs
  • 7224532
  • 224532

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area5,170 sqft Living Area
Gross Area5,590 sqft
1st Floor Area2,361 sqft
Basement Area620 sqft
Finished Basement620 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area7,800 sqft (0.179 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area36 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number224532
Street Address9705 ROYAL CREST CIR
CityFREDERICK
StateMD
Zip21704-7801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 25051 SEC P3 7,800 SQ. FT. URBANA HIGHLANDS
Legal SubdivisionURBANA HLNDS SEC P3
Legal Lot Number25051
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group1
Census Block1025
Census Tract752205

Owner

9705 Royal Crest Cir is owned and occupied by two individuals who bought it in December 2008.

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

Owner of Record2 Individual Names on File
Mailing Address9705 ROYAL CREST CIR, FREDERICK, MD 21704-7801
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
ARC HOME LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 31, 2008 · Amount on File
Deed SaleDec 31, 2008 · Amount on File
Prior SaleDec 31, 2008 · Amount on File
Deed Document Number200885629
Deed Book / Page7145 / 115
Record UpdatedSep 20, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address9705 ROYAL CREST CIR, FREDERICK, MD 21704-7801
Transaction TypeMortgage
Record UpdatedSep 21, 2023
Title CompanyAMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0155030413
DateNov 17, 2021
Book Page15503/413
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueDec 1, 2031

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address9705 ROYAL CREST CIR, FREDERICK, MD 21704-7801
Transaction TypeMortgage
Record UpdatedOct 28, 2022
Title CompanySOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address9705 ROYAL CREST CIR, FREDERICK, MD 21704-7801

Mortgage

Document Number0139850249
DateAug 17, 2020
Book Page13985/249
Lender
NameARC HOME LLC
TypeMortgage Company
AddressMC LEAN, VA 22102
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueAug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 9705 Royal Crest Cir was $10,643 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$893,100$969,800 Land $226,400 Building $743,400
2025$10,643.00
2023$9,613.00 Homeowner's exemption$691,067$739,700 Land $176,400 Building $563,300

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

Flood

FEMA maps place 9705 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2025)
Most Recent ClaimJul 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 9705 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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