Frederick County property record for 10972 Horseshoe Dr, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,156 sqft · built 1986 |
| Lot Size | 3.58 acres (156,380 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Aug 2020) |
| Tax Bill | $5,070 (2023) |
| Deeds & Mortgages | Feb 2024 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-299374 |
| Primary APN | 13-299374 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,156 sqft Total Area |
| Gross Area | 884 sqft |
| 1st Floor Area | 884 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 156,380 sqft (3.58 acres) |
| Garage Type | Mixed |
| Garage Area | 1,850 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 498 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 299374 |
|---|---|
| Street Address | 10972 HORSESHOE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21701-3376 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 16 BL B SEC 2 3.5969 AC HORSE SHOE DR HORSE SHOE DR |
| Legal Subdivision | HORSE SHOE FARM ESTATES |
| Legal Block | B |
| Legal Lot Number | 16 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 13, MOUNT PLEASANT |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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.
10972 Horseshoe Dr is owned and occupied by an individual who bought it in August 2020.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10972 HORSESHOE DR, FREDERICK, MD 21701-3376 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 14, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Aug 7, 2020 | Deed, Transfer · VA Mortgage ONY GLO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2020 · Amount on File |
| Deed Sale | Aug 7, 2020 · Amount on File |
| Prior Sale | Nov 6, 2014 · Amount on File |
| Deed Document Number | 0001396171 |
| Deed Book / Page | 13961 / 71 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 10972 HORSESHOE DR, FREDERICK, MD 21701-3376 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 10972 HORSESHOE DR, FREDERICK, MD 21701-3376 |
| Document Number | 0167630026 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 16763/26 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jan 1, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 7, 2020 |
| Property Address | 10972 HORSESHOE DR, FREDERICK, MD 21701-3376 |
| Document Number | 0139610071 |
| Book / Page | 13961 / 71 |
| Map Reference | MB 17 PL 168 |
| Instrument Date | Jul 31, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10972 HORSESHOE DR, FREDERICK, MD 21701-3376 |
| Document Number | 1396177 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 13961/77 |
| Name | ONY GLO INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
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 | $5,070.00 | $420,033 | $500,900 Land $180,300 Building $320,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10972 Horseshoe Dr 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 10972 Horseshoe Dr 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 30 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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