Frederick County property record for 5609 Kara Cir, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,884 sqft · built 1988 |
| Lot Size | 0.227 acres (9,893 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Aug 2013) |
| Tax Bill | $4,800 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-445832 |
| Primary APN | 23-445832 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,884 sqft Living Area |
| Gross Area | 3,220 sqft |
| 1st Floor Area | 1,026 sqft |
| Basement Area | 850 sqft |
| Finished Basement | 850 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,893 sqft (0.227 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 450 sqft |
| Deck Area | 517 sqft |
| Patio Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 445832 |
|---|---|
| Street Address | 5609 KARA CIR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-8647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 220 SECT 2 9893 SQ FT BALLENGER CREEK MEADOWS |
| Legal Subdivision | BALLENGER CREEK |
| Legal Lot Number | 220 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 23, BALLENGER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 751004 |
Source: Frederick County records, as of August 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5609 KARA CIR, FREDERICK, MD 21703-8647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Oct 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP |
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on Record |
| Deed Sale | Aug 29, 2013 · Amount on Record |
| Prior Sale | May 7, 2013 · Amount on Record |
| Deed Book / Page | 9741 / 246 |
| Prior Transfer Date | Jul 13, 2005 |
| Prior Transfer Doc | 0054790139 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5609 KARA CIR, FREDERICK, MD 21703-8647 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0145900116 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 14590/116 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5609 KARA CIR, FREDERICK, MD 21703-8647 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0121000190 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 12100/0190 |
| Instrument | 12100-0190 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5609 KARA CIR, FREDERICK, MD 21703-8647 |
| Document Number | 0137030417 |
| Instrument Date | Apr 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5609 KARA CIR FREDERICK MD 217038647, FREDERICK, MD 21703-8647 |
| Document Number | 0137030417 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 013703/000417 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2050 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $446,067 (+20.89%) | $484,600 (+31.33%) Land $149,700 Building $334,900 | |
| 2024 | $4,800.00 (+8.79%) | ||
| 2023 | $4,412.00 Homeowner's exemption | $369,000 Land $104,700 Building $264,300 | $369,000 Land $104,700 Building $264,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 288 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 |
| AT&T Fixed Wireless | 100 / 20 |
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