1654 Andover Ln, Frederick, MD 21702 Property Records

Frederick County property record for 1654 Andover Ln, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,672 sqft · built 1983
Lot Size	0.139 acres (6,047 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2009)
Tax Bill	$5,306 (2024)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-132192`

Property Details

APN / Parcel Number

Primary APN	`02-132192`
Alternative APNs	`2132192` `132192`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	872 sqft
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,047 sqft (0.139 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	132192
Street Address	1654 ANDOVER LN
City	FREDERICK
State	MD
Zip	21702-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 119 SECTION 4 1654 ANDOVER LANE STONEGATE FARMS
Legal Subdivision	STONEGATE FARMS
Legal Lot Number	119
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1001
Census Tract	750507

Owner

Source: Frederick County records · APN 02-132192

Assessment roll updated August 4, 2025 · Last verified April 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 File
Mailing Address	1654 ANDOVER LN, FREDERICK, MD 21702-3700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2009 · Amount on Record
Deed Sale	Sep 17, 2009 · Amount on Record
Prior Sale	May 04, 2009 · Amount on Record
Deed Document Number	20093942
Deed Book / Page	7515 / 1
Prior Transfer Date	Apr 22, 2006
Prior Transfer Doc	0061780656
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1654 ANDOVER LN, FREDERICK, MD 21702-3700
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131600333
Date	Aug 21, 2019
Book Page	13160/0333

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$318,300 (+26.73%) Land $110,000 Building $208,300	$318,300 (-) Land $110,000 Building $208,300
2024	$5,306.00 (+15.27%)
2023	$4,603.00	$251,167	$318,300 Land $110,000 Building $208,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Shenandoah Telecommunications Company.

Based on FCC filings for 308 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FREDERICK serves 54,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.