10977 Horseshoe Dr, Frederick, MD 21701 Property Records

Frederick County property record for 10977 Horseshoe Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,956 sqft · built 1984
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$103,300 (Feb 1985)
Tax Bill	$6,000 (2025)
Deeds & Mortgages	Nov 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-299404`

Property Details

APN / Parcel Number

Primary APN	`13-299404`
Alternative APN	`299404`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,956 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	1,776 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft
Deck Area	792 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	299404
Street Address	10977 HORSESHOE DR
City	FREDERICK
State	MD
Zip	21701-3377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 19 BL B SEC 2 1.0296AC HORSE SHOE DR HORSE SHOE DR
Legal Subdivision	HORSE SHOE FARM ESTATES
Legal Block	B
Legal Lot Number	19
Jurisdiction	FREDERICK MD
Township / Civil Division	13, MOUNT PLEASANT
Census Block Group	3
Census Block	3003
Census Tract	751701

Historic Designation

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.

Owner

10977 Horseshoe Dr is owned and occupied by two individuals who bought it in February 1985.

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

Owner of Record	2 Individual Names on File
Mailing Address	10977 HORSESHOE DR, FREDERICK, MD 21701-3377
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 1985 · Amount on File
Deed Sale	Feb 28, 1985 · Amount on File
Deed Book / Page	1269 / 932
Record Updated	Sep 20, 2026

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10977 HORSESHOE DR, FREDERICK, MD 21701-3377
Document Number	0116210001
Instrument Date	Nov 30, 2016
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10977 HORSESHOE DR FREDERICK MD 217013377, FREDERICK, MD 21701-3377

Mortgage

Document Number	0116210001
Date	Jan 18, 2017
Book Page	011621/000001

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10977 Horseshoe Dr was $6,000 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$515,367	$563,500 Land $200,400 Building $363,100
2025	$6,000.00
2023	$5,226.00	$433,300	$491,300 Land $155,300 Building $336,000

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

Flood

FEMA maps place 10977 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

Wildfire risk around 10977 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.

Internet Providers

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