5320 Sovereign Pl, Frederick, MD 21703 Property Records

Frederick County property record for 5320 Sovereign Pl, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,356 sqft · built 1990
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on File
Last Sale	$541,500 (May 2023)
Tax Bill	$6,534 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-566433`

Property Details

APN / Parcel Number

Primary APN	`28-566433`
Alternative APN	`566433`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,356 sqft Living Area
Gross Area	3,776 sqft
1st Floor Area	1,546 sqft
Basement Area	820 sqft
Finished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,845 sqft (0.226 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	270 sqft
Deck Area	180 sqft
Patio Area	650 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	566433
Street Address	5320 SOVEREIGN PL
City	FREDERICK
State	MD
Zip	21703-8381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	L0T 18 SECT 1 9,845 SQ FT KINGSBROOK P.U.D.
Legal Subdivision	KINGSBROOK PUD
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3000
Census Tract	751002

Owner

5320 Sovereign Pl is owned and occupied by an individual who bought it in May 2023.

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	Individual Name on File
Mailing Address	5320 SOVEREIGN PL, FREDERICK, MD 21703-8381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023 · Amount on File
Deed Sale	May 25, 2023 · Amount on File
Prior Sale	Dec 30, 2009 · Amount on File
Deed Book / Page	16452 / 372
Prior Transfer Date	Dec 17, 2009
Prior Transfer Doc	0076460335
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 25, 2023
Property Address	5320 SOVEREIGN PL, FREDERICK, MD 21703-8381
Document Number	0164520372
Book / Page	16452 / 372
Map Reference	MB 42 PG 24
Instrument Date	May 17, 2023
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,707.50
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	5320 SOVEREIGN PL, FREDERICK, MD 21703-8381

Mortgage

Document Number	0164520378
Date	May 25, 2023
Book Page	16452/378

Lender

Name	KISHWER SULTANA
Type	Private Party
Address	111133 SUFFOLK DRIVE, HAGERSTOWN, MD 21742

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	6 Months
Due	Oct 31, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 5320 Sovereign Pl was $6,534 with a homeowner's exemption, up 6.3% from the year before.

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		$626,467 (+2.87%)	$661,400 (+8.6%) Land $158,200 Building $503,200
2025	$6,534.00 (+6.35%) Homeowner's exemption	$609,000 Land $99,600 Building $509,400	$609,000 Land $99,600 Building $509,400
2024	$6,144.00 (+8.82%)
2023	$5,646.00	$474,267	$609,000 Land $99,600 Building $509,400

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

Flood

FEMA maps place 5320 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

Wildfire risk around 5320 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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