Frederick County property record for 9728 Royal Crest Cir, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 5,202 sqft · built 2002 |
| Lot Size | 0.182 acres (7,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (Jun 2016) |
| Tax Bill | $10,698 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-224117 |
| Primary APN | 07-224117 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,202 sqft Living Area |
| Gross Area | 5,622 sqft |
| 1st Floor Area | 1,938 sqft |
| Basement Area | 1,700 sqft |
| Finished Basement | 1,700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,909 sqft (0.182 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 224117 |
|---|---|
| Street Address | 9728 ROYAL CREST CIR |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 25082 SECT P3 7,909 SQ. FT. URBANA HIGHLANDS |
| Legal Subdivision | URBANA HLNDS SEC P3 |
| Legal Lot Number | 25082 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 752205 |
9728 Royal Crest Cir is owned and occupied by two individuals who bought it in June 2016.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9728 ROYAL CREST CIR, FREDERICK, MD 21704-7800 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2016 · Amount on File |
| Deed Sale | Jun 9, 2016 · Amount on File |
| Prior Sale | Dec 10, 2002 · Amount on File |
| Deed Book / Page | 11183 / 330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 9728 ROYAL CREST CIR, FREDERICK, MD 21704-7800 |
| Document Number | 0141880086 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9728 ROYAL CREST CIR FREDERICK MD 217047800, FREDERICK, MD 21704-7800 |
| Document Number | 0141880086 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 014188/000086 |
| Name | LOANUNITEDCOM LLC |
|---|---|
| Address | NORCROSS, GA 30093 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 19, 2050 |
The 2025 property tax bill for 9728 Royal Crest Cir was $10,698 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $906,733 | $987,800 Land $226,400 Building $761,400 | |
| 2025 | $10,698.00 | ||
| 2023 | $9,660.00 Homeowner's exemption | $695,533 | $744,600 Land $176,400 Building $568,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9728 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 risk around 9728 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.
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 |
| 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.
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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