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5732 Charstone Ct, Frederick, MD 21703 Property Records

Frederick County property record for 5732 Charstone Ct, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details2 ba · 1,280 sqft · built 1981
Lot Size0.039 acres (1,700 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Aug 2021)
Tax Bill$2,628 (2023)
Deeds & MortgagesFeb 2022 Mortgage
Aug 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-541562

Property Details

APN / Parcel Number

Primary APN28-541562
Alternative APN
  • 541562

Interior

Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,280 sqft Total Area
1st Floor Area640 sqft

Exterior

Year BuiltBuilt 1981
Architectural StyleTownhouse
Exterior MaterialWood
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area1,700 sqft (0.039 acres)
Patio Area128 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number541562
Street Address5732 CHARSTONE CT
CityFREDERICK
StateMD
Zip21703-8628
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionL 2PL1 SEC 3 BK 6 1700 SQ FARMBROOK CHARSTONE COURT
Legal SubdivisionCHARSTONE COURT
Legal Block6
Legal Lot Number2
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group4
Census Block4000
Census Tract751002

Owner

Source: Frederick County records · APN 28-541562

Assessment roll updated July 1, 2023 · Last verified September 2023

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

Owner of RecordIndividual Name on File
Mailing Address8589 OLD FOREST DR NE, LELAND, NC 28451-7671
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2022Deed of Trust, Mortgage · Conventional Mortgage
NAVY FCU
Aug 16, 2021Deed, Transfer · Conventional Mortgage
NAVY FCU
Jun 20, 2018Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 16, 2021 · Amount on Record
Deed SaleAug 16, 2021 · Amount on Record
Prior SaleJun 20, 2018 · Amount on Record
Deed Document Number0015195151
Deed Book / Page15195 / 151
Record UpdatedJun 07, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address5732 CHARSTONE CT, FREDERICK, MD 21703-8628
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyNAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address8589 OLD FOREST DR NE, LELAND, NC 28451-7671

Mortgage

Document Number0157430025
DateFeb 22, 2022
Book Page15743/25
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

August 2021: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateAug 16, 2021
Property Address5732 CHARSTONE CT, FREDERICK, MD 21703-8628
Document Number0151950151
Book / Page15195 / 151
Map ReferenceMB 23 PL 177
Instrument DateJul 27, 2021
Transaction TypeTransfer
Record UpdatedDec 01, 2021
Title CompanyCOVENANT TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,300.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9922 SHELBURNE TER APT 202, 9922, GAITHERSBURG, MD 20878-5338

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address8589 OLD FOREST DR NE, LELAND, NC 28451-7671
InvestorPossibly a Property Investor

Mortgage

Document Number0151950155
DateAug 16, 2021
Book Page15195/155
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051
Interest
Rate TypeAdjustable Rate
Rate3.5%
Type Change DateAug 01, 2024
Change Frequency5 Years
Min Rate At Change2%
Max Rate At Change5.5%
Index5-Year CMT
Margin2
Max Rate8.5%

June 2018: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJun 20, 2018
Property Address5732 CHARSTONE CT, FREDERICK, MD 21703-8628
Document Number0124780104
Book / Page12478 / 0104
Map ReferenceMB23 PL177
Instrument DateMay 21, 2018
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyLAWYERS TITLE EXCHANGE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address5732 CHARSTONE CT, FREDERICK, MD 21703-8628

Mortgage

Document Number0012478111
DateJun 20, 2018
Instrument12478/111
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2023$2,628.00$216,767$251,700 Land $80,000 Building $171,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 401 locations within half a mile · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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