1596 Andover Ln, Frederick, MD 21702 Property Records

Frederick County property record for 1596 Andover Ln, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1978
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Dec 2019)
Tax Bill	$6,194 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-053454`

Property Details

APN / Parcel Number

Primary APN	`02-053454`
Alternative APNs	`2053454` `053454`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	053454
Street Address	1596 ANDOVER LN
City	FREDERICK
State	MD
Zip	21702-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 90 SECT 3 0.14 AC 1596 ANDOVER LANE STONEGATE FARMS
Legal Subdivision	STONEGATE FARMS
Legal Lot Number	90
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1001
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 31, 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	1596 ANDOVER LN, FREDERICK, MD 21702-3722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Oct 27, 2020	Loan Modification, Mortgage · FHA Mortgage M&T BK
Dec 17, 2019	Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Prior Sale	May 17, 2013 · Amount on Record
Deed Book / Page	13406 / 8
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722

Mortgage

Document Number	0158270506
Date	Apr 4, 2022
Book Page	15827/506

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2052

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722
Document Number	0144290268
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1596 ANDOVER LN FREDERICK MD 217023722, FREDERICK, MD 21702-3722

Mortgage

Document Number	0144290268
Date	Jan 7, 2021
Book Page	014429/000268

Lender

Name	M&T BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 17, 2019
Property Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722
Document Number	0134060008
Book / Page	13406 / 0008
Map Reference	MB 14 PL 108
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	AMAZON TITLE INCORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
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 Common
Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722

Mortgage

Document Number	134060017
Date	Dec 17, 2019
Instrument	13406/0017

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jul 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1596 ANDOVER LN, FREDERICK, MD 21702-3722
Document Number	0122770337
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1596 ANDOVER LN FREDERICK MD 217023722, FREDERICK, MD 21702-3722

Mortgage

Document Number	0122770337
Date	Feb 14, 2018
Book Page	012277/000337

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 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		$358,133 (+23.08%)	$384,600 (+11.51%) Land $110,100 Building $274,500
2025	$6,194.00 (+16.47%)
2023	$5,318.00	$290,967	$344,900 Land $110,100 Building $234,800

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.

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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