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10959 Ginger Ln, Monrovia, MD 21770 Property Records

Frederick County property record for 10959 Ginger Ln, Monrovia, MD 21770

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 3,960 sqft · built 2019
Lot Size0.126 acres (5,467 sqft)
Owner2 Individual Names on Record
Last Sale$565,160 (Jun 2019)
Tax Bill$8,959 (2025)
Deeds & MortgagesOct 2021 Mortgage
Jun 2019 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-595201

Property Details

APN / Parcel Number

Primary APN09-595201
Alternative APN
  • 595201

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,960 sqft Living Area
Gross Area4,408 sqft
1st Floor Area1,870 sqft
Basement Area700 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area5,467 sqft (0.126 acres)
Garage TypeAttached
Garage Area448 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area212 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number595201
Street Address10959 GINGER LN
CityMONROVIA
StateMD
Zip21770-6043
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 813 SECTION 3 5,467 SQ FT LANDSDALE
Legal SubdivisionLANDSD
Legal Lot Number813
JurisdictionFREDERICK MD
Township / Civil Division9, NEW MARKET
Census Block Group2
Census Block2043
Census Tract752102

Owner

Source: Frederick County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address10959 GINGER LN, MONROVIA, MD 21770-6043
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 4, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOMESPIRE MORTGAGE CORP
Jun 5, 2019Deed, Transfer · Conventional Mortgage
NVR MORTGAGE FINANCE INC
Jan 29, 2019Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC
Dec 10, 2018Loan Modification, Mortgage · Line of Credit
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 5, 2019 · Amount on Record
Deed SaleJun 5, 2019 · Amount on Record
Prior SaleJan 29, 2019 · Amount on Record
Deed Book / Page13007 / 452
Record UpdatedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address10959 GINGER LN, MONROVIA, MD 21770-6043
Transaction TypeMortgage
Record UpdatedOct 19, 2021
Title CompanyCLASSIC SETTLEMENTS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10959 GINGER LN, MONROVIA, MD 21770-6043

Mortgage

Document Number0153500252
DateOct 4, 2021
Book Page15350/252
Lender
NameHOMESPIRE MORTGAGE CORP
TypeMortgage Company
AddressGAITHERSBURG, MD 20878
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051

June 2019: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJun 5, 2019
Property Address10959 GINGER LN, MONROVIA, MD 21770-6043
Document Number0130070452
Book / Page13007 / 0452
Map ReferenceMB 99 PL 57
Instrument DateJun 4, 2019
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyNVR SETMNT SVCS OF MD INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,825.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4991 NEW DESIGN RD, 4991, FREDERICK, MD 21703-7113

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address10959 GINGER LN, MONROVIA, MD 21770-6043

Mortgage

Document Number130070456
DateJun 5, 2019
Instrument13007/0456
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2049

January 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateJan 29, 2019
Property Address10959 GINGER LN, MONROVIA, MD 21770-6043
Document Number0128170128
Book / Page012817 / 000128
Instrument DateJan 28, 2019
Transaction TypeTransfer
Record UpdatedFeb 7, 2019
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount Recorded
Tax$149.45
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3919 NATIONAL DR #310 BURTONSVILLE MD 208661180, 310, BURTONSVILLE, MD 20866-1180
InvestorPossibly a Property Investor

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFREDERICK MD
Recording DateDec 10, 2018
Property Address10959 GINGER LN, MONROVIA, MD 21770-6043
Document Number0127460085
Book / Page012746 / 000085
Instrument DateNov 30, 2018
Transaction TypeMortgage
Record UpdatedDec 28, 2018
Title CompanyFENTON TITLE COMPANY, FENTON TITLE CO

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1355 BEVERLY RD #240 MCLEAN VA 221013649, 240, MCLEAN, VA 22101-3649

Mortgage

Document Number127460085
DateDec 10, 2018
Book Page012746/000085
Lender
NameWELLS FARGO BK
TypeBank
Address1750 H ST NW # 400, WASHINGTON, DC 20006-4679
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,959.00 (+17.9%)$725,967 (+13.27%)$814,700 (+19.53%) Land $190,900 Building $623,800
2023$7,599.00$640,900$681,600 Land $190,900 Building $490,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2003)
Claims Outside the SFHA1 of 1
Most Recent ClaimDec 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 307 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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