9736 Royal Crest Cir, Frederick, MD 21704 Property Records

Frederick County property record for 9736 Royal Crest Cir, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,542 sqft · built 2001
Lot Size	0.275 acres (11,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,485 (Mar 2001)
Tax Bill	$10,452 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-224079`

Property Details

APN / Parcel Number

Primary APN	`07-224079`
Alternative APNs	`7224079` `224079`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,542 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	1,871 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,958 sqft (0.275 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224079
Street Address	9736 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 25078 SECT P3 11,958 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25078
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1027
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	9736 ROYAL CREST CIR, FREDERICK, MD 21704-7800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 25, 2017	Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2001 · Amount on Record
Deed Sale	Mar 28, 2001 · Amount on Record
Deed Document Number	20011747
Deed Book / Page	2836 / 1239
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9736 ROYAL CREST CIR, FREDERICK, MD 21704-7800
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155960035
Date	Dec 21, 2021
Book Page	15596/35

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	230 Months
Due	Feb 1, 2041

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9736 ROYAL CREST CIR, FREDERICK, MD 21704-7800
Document Number	0117310372
Book / Page	011731 / 000372
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9736 ROYAL CREST CIR FREDERICK MD 217047800, FREDERICK, MD 21704-7800

Mortgage

Document Number	0117310372
Date	Mar 23, 2017
Book Page	011731/000372

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Mar 22, 2045

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		$781,233 (+29.04%)	$847,900 (+30.87%) Land $228,400 Building $619,500
2025	$10,452.00 (+16.2%)
2023	$8,995.00	$605,400	$647,900 Land $178,400 Building $469,500

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	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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