Frederick County property record for 5345 Sovereign Pl, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,172 sqft · built 1991 |
| Lot Size | 0.257 acres (11,191 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $655,000 (Sep 2022) |
| Tax Bill | $7,643 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-566794 |
| Primary APN | 28-566794 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,172 sqft Living Area |
| Gross Area | 3,572 sqft |
| 1st Floor Area | 1,812 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 | 11,191 sqft (0.257 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 566794 |
|---|---|
| Street Address | 5345 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 50 SECT 1 11,191 SQ FT KINGSBROOK P.U.D. |
| Legal Subdivision | KINGSBROOK PUD |
| Legal Lot Number | 50 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 751002 |
5345 Sovereign Pl is owned and occupied by two individuals who bought it in September 2022.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5345 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 |
|---|---|
| Sep 28, 2022 | Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Feb 8, 2018 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2022 · Amount on File |
| Deed Sale | Sep 28, 2022 · Amount on File |
| Prior Sale | May 7, 1991 · Amount on File |
| Deed Book / Page | 16153 / 306 |
| Prior Transfer Date | Jun 9, 2016 |
| Prior Transfer Doc | 0112270202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 28, 2022 |
| Property Address | 5345 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Document Number | 0161530306 |
| Book / Page | 16153 / 306 |
| Map Reference | MB 43 FO 127 |
| Instrument Date | Sep 23, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5345 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Document Number | 0016153312 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 16153/312 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5345 SOVEREIGN PL, FREDERICK, MD 21703-8381 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0122680503 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 12268/0503 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5345 Sovereign Pl was $7,643, up 12.2% from the year before.
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 | $636,133 (+2.88%) | $671,800 (+8.65%) Land $160,500 Building $511,300 | |
| 2025 | $7,643.00 (+12.18%) | $618,300 Land $100,100 Building $518,200 | $618,300 Land $100,100 Building $518,200 |
| 2024 | $6,813.00 (+16.26%) | ||
| 2023 | $5,860.00 | $492,567 | $618,300 Land $100,100 Building $518,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5345 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.
The area around 5345 Sovereign Pl has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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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