Frederick County property record for 10732 Liberty Rd, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,818 sqft · built 1999 |
| Lot Size | 1.76 acres (76,666 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Dec 2018) |
| Tax Bill | $7,095 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-307644 |
| Primary APN | 13-307644 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,818 sqft Living Area |
| Gross Area | 3,238 sqft |
| 1st Floor Area | 1,254 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 76,666 sqft |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 307644 |
|---|---|
| Street Address | 10732 LIBERTY RD |
| City | FREDERICK |
| State | MD |
| Zip | 21701-2630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 5 SECTION 1 1.763 ACRES CHESTNUT FOREST |
| Legal Subdivision | CHESTNUT FOREST |
| Legal Lot Number | 5 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 13, MOUNT PLEASANT |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 751701 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
10732 Liberty Rd is owned and occupied by two individuals who bought it in December 2018.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| 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.
| Date | Document |
|---|---|
| Oct 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jan 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Jun 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Dec 26, 2018 | Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on File |
| Deed Sale | Dec 26, 2018 · Amount on File |
| Prior Sale | Nov 7, 2013 · Amount on File |
| Deed Book / Page | 12770 / 74 |
| Transfer Doc | 0050910417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Document Number | 0161940165 |
|---|---|
| Date | Oct 25, 2022 |
| Book Page | 16194/165 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Nov 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SETTLEMENT MATTERS LLC |
| Name | Verified Name |
|---|---|
| Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Document Number | 0144500070 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 14450/70 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SETTLEMENT MATTERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0130580365 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 13058/0365 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 26, 2018 |
| Property Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Document Number | 0127700074 |
| Book / Page | 12770 / 0074 |
| Map Reference | MB 62 PG 145 |
| Instrument Date | Dec 10, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | PRUITT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12654 LIBERTY RD, 12654, UNION BRIDGE, MD 21791-7505 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10732 LIBERTY RD, FREDERICK, MD 21701-2630 |
| Document Number | 0001277086 |
|---|---|
| Date | Dec 26, 2018 |
| Instrument | 12770/86 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 10732 Liberty Rd was $7,095, up 9.5% from the year before.
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 | $588,767 (+3.56%) | $629,300 (+10.69%) Land $210,600 Building $418,700 | |
| 2025 | $7,095.00 (+9.49%) | $568,500 Land $163,300 Building $405,200 | $568,500 Land $163,300 Building $405,200 |
| 2024 | $6,480.00 (+12.83%) | ||
| 2023 | $5,743.00 | $477,433 | $568,500 Land $163,300 Building $405,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10732 Liberty Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10732 Liberty Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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