10991 Horseshoe Dr, Frederick, MD 21701 Property Records

Frederick County property record for 10991 Horseshoe Dr, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,872 sqft · built 1975
Lot Size	0.71 acres (30,927 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,710 (2025)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-302502`

Property Details

APN / Parcel Number

Primary APN	`13-302502`
Alternative APN	`302502`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,272 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,927 sqft (0.71 acres)
Garage Type	Attached
Garage Area	480 sqft
Deck Area	504 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	302502
Street Address	10991 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 2, BLK.A, SECT. 1 0.71 AC HORSE SHOE DR HORSE SHOE FARM EST
Legal Subdivision	HORSE SHOE FARM ESTATES
Legal Block	A
Legal Lot Number	2
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

10991 Horseshoe Dr is owned and occupied by two individuals who acquired it in May 2008.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10991 HORSESHOE DR, FREDERICK, MD 21701-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2008
Deed Sale	May 27, 2008
Prior Sale	Sep 12, 2002 · Amount on File
Deed Document Number	200882314
Deed Book / Page	6991 / 114
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10991 HORSESHOE DR, FREDERICK, MD 21701-3377
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10991 HORSESHOE DR, FREDERICK, MD 21701-3377

Mortgage

Document Number	0159020385
Date	May 5, 2022
Book Page	15902/385

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Apr 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10991 Horseshoe Dr was $3,710 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		$391,067	$441,400 Land $196,500 Building $244,900
2025	$3,710.00
2023	$3,218.00 Homeowner's exemption	$287,567	$365,900 Land $150,300 Building $215,600

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

Flood

FEMA maps place 10991 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 10991 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 75 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