1581 Andover Ln, Frederick, MD 21702 Property Records

Frederick County property record for 1581 Andover Ln, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,520 sqft · built 1986
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$382,300 (Mar 2023)
Tax Bill	$5,861 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-141841`

Property Details

APN / Parcel Number

Primary APN	`02-141841`
Alternative APNs	`2141841` `141841`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Deck Area	144 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	141841
Street Address	1581 ANDOVER LN
City	FREDERICK
State	MD
Zip	21702-3718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 194 SEC 4 6000 SQ FT ANDOVER LANE STONEGATE FARMS
Legal Subdivision	STONEGATE FARMS
Legal Lot Number	194
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1003
Census Tract	750507

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

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	Individual Name on Record
Mailing Address	5241 REGAL CT, FREDERICK, MD 21703-2744
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Oct 15, 2018	Deed, Transfer · Conventional Mortgage WOODSBORO BANK
Apr 6, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Book / Page	16374 / 205
Prior Transfer Date	Dec 7, 2007
Prior Transfer Doc	0068630515
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 24, 2023
Property Address	1581 ANDOVER LN, FREDERICK, MD 21702-3718
Document Number	0163740205
Book / Page	16374 / 205
Map Reference	MB 31 PG 75
Instrument Date	Mar 23, 2023
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,911.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5241 REGAL CT, FREDERICK, MD 21703-2744

Mortgage

Document Number	0016374211
Date	Mar 24, 2023
Instrument	16374/211

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 15, 2018
Property Address	1581 ANDOVER LN, FREDERICK, MD 21702-3718
Document Number	0126700389
Book / Page	12670 / 0389
Map Reference	MB31 PG75
Instrument Date	Oct 10, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1581 ANDOVER LN, FREDERICK, MD 21702-3718

Mortgage

Document Number	0012670399
Date	Oct 15, 2018
Instrument	12670/399

Lender

Name	WOODSBORO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2018
Property Address	1581 ANDOVER LN, FREDERICK, MD 21702-3718
Document Number	0123520306
Book / Page	012352 / 000306
Instrument Date	Mar 27, 2018
Transaction Type	Transfer
Record Updated	Apr 13, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1581 ANDOVER LN FREDERICK MD 217023718, FREDERICK, MD 21702-3718

Mortgage

Document Number	123520313
Date	Apr 6, 2018
Book Page	012352/000313

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$327,833 (+3.65%)	$350,900 (+10.94%) Land $110,000 Building $240,900
2025	$5,861.00 (+8.04%)	$316,300 (+18.87%) Land $110,000 Building $206,300	$316,300 (-) Land $110,000 Building $206,300
2024	$5,425.00 (+11.37%)
2023	$4,871.00	$266,100	$316,300 Land $110,000 Building $206,300

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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 Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Glo Fiber.

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