10952 Ginger Ln, Monrovia, MD 21770 Property Records

Frederick County property record for 10952 Ginger Ln, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,472 sqft · built 2020
Lot Size	0.16 acres (6,983 sqft)
Owner	2 Individual Names on File
Last Sale	$564,165 (Jun 2020)
Tax Bill	$7,765 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-599221`

Property Details

APN / Parcel Number

Primary APN	`09-599221`
Alternative APN	`599221`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,472 sqft Living Area
Gross Area	3,872 sqft
1st Floor Area	1,510 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,983 sqft (0.16 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	599221
Street Address	10952 GINGER LN
City	MONROVIA
State	MD
Zip	21770-6058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 823 SECTION 3 6,983 SQ FT LANDSDALE
Legal Subdivision	LANDSD
Legal Lot Number	823
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2003
Census Tract	752102

Owner

10952 Ginger Ln is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10952 GINGER LN, MONROVIA, MD 21770-6058
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on File
Deed Sale	Jun 3, 2020 · Amount on File
Prior Sale	Feb 21, 2020 · Amount on File
Deed Book / Page	13781 / 465
Record Updated	Sep 20, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 3, 2020
Property Address	10952 GINGER LN, MONROVIA, MD 21770-6058
Document Number	0137810465
Book / Page	013781 / 000465
Instrument Date	Jun 1, 2020
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4700 CORRIDOR PL BELTSVILLE MD 207051163, BELTSVILLE, MD 20705-1163

Mortgage

Document Number	137810470
Date	Jun 3, 2020
Book Page	013781/000470

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10952 Ginger Ln was $7,765 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$7,765.00 Homeowner's exemption	$674,067	$753,800 Land $193,900 Building $559,900
2023	$6,755.00 Homeowner's exemption	$592,333	$634,200 Land $193,900 Building $440,300

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

Flood

FEMA maps place 10952 Ginger Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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 Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2003 · tidal / storm surge

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 10952 Ginger Ln 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.

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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20