5643 Zoe Ln, Frederick, MD 21704 Property Records

Frederick County property record for 5643 Zoe Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,664 sqft · built 2020
Lot Size	0.148 acres (6,448 sqft)
Owner	Individual Name on Record
Last Sale	$521,000 (Sep 2020)
Tax Bill	$7,166 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-598893`

Property Details

APN / Parcel Number

Primary APN	`09-598893`
Alternative APN	`598893`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,664 sqft Living Area
Gross Area	4,126 sqft
1st Floor Area	1,592 sqft
Basement Area	500 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,448 sqft (0.148 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	598893
Street Address	5643 ZOE LN
City	FREDERICK
State	MD
Zip	21704-7554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 6,448 SQ FT PRESERVE AT LONG BRANCH
Legal Lot Number	22
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1007
Census Tract	751904

Owner

Source: Frederick County records, as of April 28, 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 Record
Mailing Address	5643 ZOE LN, FREDERICK, MD 21704-7554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG
Dec 12, 2019	Grant Deed, Transfer RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Dec 12, 2019 · Amount on Record
Deed Book / Page	14057 / 208
Record Updated	Jun 8, 2026

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 10, 2020
Property Address	5643 ZOE LN, FREDERICK, MD 21704-7554
Document Number	0140570208
Book / Page	014057 / 000208
Instrument Date	Aug 14, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 7, 2020
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5643 ZOE LN FREDERICK MD 21704, FREDERICK, MD 21704

Mortgage

Document Number	140570218
Date	Sep 10, 2020
Book Page	014057/000218

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 12, 2019
Property Address	5643 ZOE LN, FREDERICK, MD 21704-7554
Document Number	0133970172
Book / Page	013397 / 000172
Instrument Date	Nov 5, 2019
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$4,985.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	181 HARRY S TRUMAN PKWY #250 ANNAPOLIS MD 214017577, 250, ANNAPOLIS, MD 21401-7577

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$7,166.00 (+14.89%) Homeowner's exemption	$595,767 (+13.37%)	$681,500 (+23.26%) Land $150,300 Building $531,200
2023	$6,237.00 Homeowner's exemption	$525,500	$552,900 Land $140,300 Building $412,600

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

Flood

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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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