Frederick County property record for 10962 Ginger Ln, Monrovia, MD 21770
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,148 sqft · built 2020 |
| Lot Size | 0.16 acres (6,965 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $518,000 (Mar 2020) |
| Tax Bill | $6,397 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-599216 |
| Primary APN | 09-599216 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| Gross Area | 2,548 sqft |
| 1st Floor Area | 1,104 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,965 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 599216 |
|---|---|
| Street Address | 10962 GINGER LN |
| City | MONROVIA |
| State | MD |
| Zip | 21770-6058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 818 SECTION 3 6,965 SQ FT LANDSDALE |
| Legal Subdivision | LANDSD |
| Legal Lot Number | 818 |
| 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 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 | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| May 3, 2022 | Intrafamily Transfer, Transfer |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Mar 4, 2020 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Dec 30, 2019 | Correction Deed NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2020 · Amount on Record |
| Deed Sale | Mar 4, 2020 · Amount on Record |
| Prior Sale | Nov 19, 2019 · Amount on Record |
| Deed Book / Page | 13564 / 313 |
| Last Transfer Date | Apr 6, 2022 |
| Transfer Doc | 0158940276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0177440283 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 17744/283 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 3, 2022 |
| Property Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0158940276 |
| Book / Page | 15894 / 276 |
| Map Reference | MB 102 |
| Instrument Date | Apr 6, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0140980176 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 14098/176 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 4, 2020 |
| Property Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0135640313 |
| Book / Page | 13564 / 313 |
| Map Reference | MB 102 PL 160 |
| Instrument Date | Feb 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4991 NEW DESIGN RD, 4991, FREDERICK, MD 21703-7113 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 135640317 |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 13564/0317 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 30, 2019 |
| Property Address | 10962 GINGER LN, MONROVIA, MD 21770-6058 |
| Document Number | 0134290336 |
| Book / Page | 013429 / 000336 |
| Instrument Date | Nov 12, 2019 |
| Record Updated | May 8, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| 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 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 | $580,267 (+5.38%) | $609,900 (-) Land $193,900 Building $416,000 | |
| 2025 | $6,397.00 (+5.88%) Homeowner's exemption | $550,633 (+13.18%) | $609,900 (+17.06%) Land $193,900 Building $416,000 |
| 2024 | $6,042.00 (+8.44%) | ||
| 2023 | $5,572.00 Homeowner's exemption | $486,500 | $521,000 Land $193,900 Building $327,100 |
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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