Frederick County property record for 10954 Ginger Ln, Monrovia, MD 21770
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,424 sqft · built 2021 |
| Lot Size | 0.16 acres (6,983 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $549,530 (Aug 2020) |
| Tax Bill | $6,265 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-599220 |
| Primary APN | 09-599220 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,424 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,983 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 599220 |
|---|---|
| Street Address | 10954 GINGER LN |
| City | MONROVIA |
| State | MD |
| Zip | 21770-6058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 822 SECTION 3 6,983 SQ FT LANDSDALE |
| Legal Subdivision | LANDSD |
| Legal Lot Number | 822 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 752102 |
Source: Frederick County records, as of September 25, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC |
| Aug 18, 2020 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Apr 15, 2020 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2020 · Amount on Record |
| Deed Sale | Aug 18, 2020 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Document Number | 0013990372 |
| Deed Book / Page | 13990 / 372 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0157910493 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 15791/493 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.25% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 18, 2020 |
| Property Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0139900372 |
| Book / Page | 13990 / 372 |
| Map Reference | MB 103 PL 83 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,373.83 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4700 CORRIDOR PL, 4700, BELTSVILLE, MD 20705-1163 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0013990377 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 13990/377 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 15, 2020 |
| Property Address | 10954 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0136560395 |
| Book / Page | 013656 / 000395 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4991 NEW DESIGN RD FREDERICK MD 217037113, FREDERICK, MD 21703-7113 |
| Investor | Possibly a Property Investor |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,265.00 Homeowner's exemption | $546,633 | $584,400 Land $193,900 Building $390,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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: 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 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 |
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