5675 Zoe Ln, Frederick, MD 21704 Property Records

Frederick County property record for 5675 Zoe Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,696 sqft · built 2020
Lot Size	0.124 acres (5,408 sqft)
Owner	Individual Name on Record
Last Sale	$500,460 (Jul 2020)
Tax Bill	$6,222 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-599035`

Property Details

APN / Parcel Number

Primary APN	`09-599035`
Alternative APN	`599035`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,696 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,408 sqft (0.124 acres)
Garage Type	Built-in
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	599035
Street Address	5675 ZOE LN
City	FREDERICK
State	MD
Zip	21704-7554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LO 14 PHASE 1B 5,408 SQ FT PRESERVE AT LONG BRANCH
Legal Subdivision	PRESERVE/LONG BRANCH PH 18
Legal Phase	5,1B
Legal Lot Number	14
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 September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5675 ZOE LN, FREDERICK, MD 21704-7554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AURORA FINANCIAL LLC
Jul 22, 2020	Deed, Subdivision Related Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Dec 12, 2019	Grant Deed, Transfer RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Prior Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	0013911152
Deed Book / Page	13911 / 152
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5675 ZOE LN, FREDERICK, MD 21704-7554
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	GLOBAL TITLE SERVICES LLC, GLOBAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150880244
Date	Jul 13, 2021
Book Page	15088/244

Lender

Name	AURORA FINANCIAL LLC
Type	Funding / Finance Company
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 22, 2020
Property Address	5675 ZOE LN, FREDERICK, MD 21704-7554
Document Number	0139110152
Book / Page	13911 / 152
Map Reference	MB 102 PG 82
Instrument Date	Jun 25, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2023
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,502.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5675 ZOE LN, FREDERICK, MD 21704-7554

Mortgage

Document Number	0013911161
Date	Jul 22, 2020
Instrument	13911/161

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 12, 2019
Property Address	5675 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 July 1, 2023

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
2023	$6,222.00	$523,433	$550,800 Land $140,100 Building $410,700

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 57 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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