Frederick County property record for 5540 Westcott Cir, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,520 sqft · built 2000 |
| Lot Size | 0.057 acres (2,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,900 (Jun 2020) |
| Tax Bill | $4,976 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-583168 |
| Primary APN | 28-583168 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Finished Basement | 840 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,480 sqft (0.057 acres) |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 583168 |
|---|---|
| Street Address | 5540 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 1084 SECT V PLAT 3 2,480 SQ. FT. BALLENGER CROSSING |
| Legal Subdivision | BALLENGER CROSSING |
| Legal Lot Number | 1084 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 751001 |
5540 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 | 5540 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2020 · Amount on File |
| Deed Sale | Jun 11, 2020 · Amount on File |
| Prior Sale | Nov 6, 2015 · Amount on File |
| Deed Book / Page | 13803 / 116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 11, 2020 |
| Property Address | 5540 WESTCOTT CIR, FREDERICK, MD 21703-6565 |
| Document Number | 0138030116 |
| Book / Page | 13803 / 116 |
| Map Reference | MB 63 PL 193 |
| Instrument Date | May 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $764.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5540 WESTCOTT CIR, FREDERICK, MD 21703-6565 |
| Document Number | 13803124 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 13803/124 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 5540 Westcott Cir was $4,976.
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 | $415,233 | $445,700 Land $120,000 Building $325,700 | |
| 2025 | $4,976.00 | ||
| 2023 | $3,910.00 | $326,133 | $400,000 Land $85,000 Building $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5540 Westcott Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 5540 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures