Frederick County property record for 5312 Sovereign Pl, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,356 sqft · built 1991 |
| Lot Size | 0.237 acres (10,315 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Sep 2014) |
| Tax Bill | $5,837 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-566395 |
| Primary APN | 28-566395 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,356 sqft Living Area |
| Gross Area | 2,776 sqft |
| 1st Floor Area | 1,366 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,315 sqft (0.237 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 566395 |
|---|---|
| Street Address | 5312 SOVEREIGN PL |
| City | FREDERICK |
| State | MD |
| Zip | 21703-8381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 14 SECT 1 10,315 SQ FT KINGSBROOK P.U.D. |
| Legal Subdivision | KINGSBROOK PUD |
| Legal Lot Number | 14 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 751002 |
5312 Sovereign Pl is owned and occupied by two individuals who bought it in September 2014.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5312 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit MERIDIAN BANK |
| Jul 6, 2021 | Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2014 · Amount on File |
| Deed Sale | Sep 22, 2014 · Amount on File |
| Prior Sale | Sep 26, 1991 · Amount on File |
| Deed Book / Page | 10215 / 300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5312 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Title Company | SETTLEMENT MATTERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0159810193 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 15981/193 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5312 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | COVENANT TITLE AND ESCROW, COVENANT TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0150660062 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 15066/62 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 5312 Sovereign Pl was $5,837.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $488,433 | $524,300 Land $159,000 Building $365,300 | |
| 2025 | $5,837.00 | ||
| 2023 | $4,724.00 | $395,567 | $470,500 Land $99,800 Building $370,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5312 Sovereign Pl in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 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 risk around 5312 Sovereign Pl is low, with less than 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 96% of the US · lower than 92% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 427 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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