5532 Westcott Cir, Frederick, MD 21703 Property Records

Frederick County property record for 5532 Westcott Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,480 sqft · built 2000
Lot Size	0.037 acres (1,600 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2020)
Tax Bill	$3,950 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-583206`

Property Details

APN / Parcel Number

Primary APN	`28-583206`
Alternative APN	`583206`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,480 sqft Living Area
1st Floor Area	880 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,600 sqft (0.037 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	583206
Street Address	5532 WESTCOTT CIR
City	FREDERICK
State	MD
Zip	21703-6565
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 1088 SECT V PLAT 3 1,600 SQ. FT. BALLENGER CROSSING
Legal Subdivision	BALLENGER CROSSING
Legal Lot Number	1088
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1000
Census Tract	751001

Owner

5532 Westcott Cir, a townhouse, is owned and occupied by two individuals who bought it in June 2020.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5532 WESTCOTT CIR, FREDERICK, MD 21703-6565
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Prior Sale	May 28, 2014 · Amount on File
Deed Book / Page	13821 / 100
Transfer Doc	0026430441
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 17, 2020
Property Address	5532 WESTCOTT CIR, FREDERICK, MD 21703-6565
Document Number	0138210100
Book / Page	013821 / 000100
Instrument Date	Jun 2, 2020
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	CLASSIC SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5532 WESTCOTT CIR FREDERICK MD 217036565, FREDERICK, MD 21703-6565

Mortgage

Document Number	138210106
Date	Jun 17, 2020
Book Page	013821/000106

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5532 Westcott Cir was $3,950 with a homeowner's exemption, up 5.9% 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		$345,033 (+5.51%)	$381,100 (+16.54%) Land $120,000 Building $261,100
2025	$3,950.00 (+5.9%) Homeowner's exemption	$327,000 Land $85,000 Building $242,000	$327,000 Land $85,000 Building $242,000
2024	$3,730.00 (+8.4%)
2023	$3,441.00 Homeowner's exemption	$290,400	$327,000 Land $85,000 Building $242,000

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

Flood

FEMA maps place 5532 Westcott Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5532 Westcott Cir 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 95% of the US · lower than 90% 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