Frederick County property record for 5720 Charstone Ct, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,470 sqft · built 1981 |
| Lot Size | 0.039 acres (1,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $322,500 (Oct 2022) |
| Tax Bill | $3,666 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-541481 |
| Primary APN | 28-541481 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,470 sqft Living Area |
| 1st Floor Area | 620 sqft |
| Basement Area | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,700 sqft (0.039 acres) |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 541481 |
|---|---|
| Street Address | 5720 CHARSTONE CT |
| City | FREDERICK |
| State | MD |
| Zip | 21703-8601 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R12 |
| Legal Description | L4 PL 1 SEC 3 BK 5 1700 SQ FT FARMBROOK CHARSTONE COURT |
| Legal Subdivision | CHARSTONE COURT |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 751002 |
Source: Frederick County records, as of July 20, 2026
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 | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC |
| Oct 12, 2022 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Sep 13, 2019 | Loan Modification, Mortgage · Conventional Mortgage CITIMORTGAGE |
| Jun 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2022 · Amount on Record |
| Deed Sale | Oct 12, 2022 · Amount on Record |
| Prior Sale | Jun 4, 2013 · Amount on Record |
| Deed Book / Page | 16174 / 473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0153750052 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 15375/52 |
| Name | AMERICAN BANCSHARES MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HIALEAH, FL 33016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 12, 2022 |
| Property Address | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Document Number | 0161740473 |
| Book / Page | 16174 / 473 |
| Map Reference | MB 23 PL 177 |
| Instrument Date | Sep 27, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | COVENANT TITLE AND ESCROW, COVENANT TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $806.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Document Number | 0016174480 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 16174/480 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Document Number | 0133340096 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 5720 CHARSTONE CT FREDERICK MD 217038601, FREDERICK, MD 21703-8601 |
| Document Number | 0133340096 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 013334/000096 |
| Name | CITIMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5720 CHARSTONE CT, FREDERICK, MD 21703-8601 |
| Document Number | 0132830038 |
| Instrument Date | Jun 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5720 CHARSTONE CT FREDERICK MD 217038601, FREDERICK, MD 21703-8601 |
| Document Number | 0132830038 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 013283/000038 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2049 |
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 | $3,666.00 (+11.9%) | $292,800 (+25.2%) Land $80,000 Building $212,800 | $292,800 (-) Land $80,000 Building $212,800 |
| 2024 | $3,276.00 (+15.84%) | ||
| 2023 | $2,828.00 | $233,867 | $292,800 Land $80,000 Building $212,800 |
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 |
|---|---|
| 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.
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 401 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 |
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