Frederick County property record for 5778 Rock Spray Ct, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,416 sqft · built 2000 |
| Lot Size | 0.033 acres (1,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Apr 2021) |
| Tax Bill | $3,721 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-569955 |
| Primary APN | 28-569955 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,416 sqft Living Area |
| 1st Floor Area | 736 sqft |
| Basement Area | 2 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,440 sqft (0.033 acres) |
| Deck Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 569955 |
|---|---|
| Street Address | 5778 ROCK SPRAY CT |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7241 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 19 SECTION 26 1440 SQ FT MOUNTAIN VILLAGE |
| Legal Subdivision | MOUNTAIN VILLAGE |
| Legal Lot Number | 19 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 751003 |
5778 Rock Spray Ct, a townhouse, is owned and occupied by an individual who bought it in April 2021.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5778 ROCK SPRAY CT, FREDERICK, MD 21703-7241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Apr 19, 2021 | Deed, Transfer · FHA Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2021 · Amount on File |
| Deed Sale | Apr 19, 2021 · Amount on File |
| Deed Book / Page | 14782 / 328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5778 ROCK SPRAY CT, FREDERICK, MD 21703-7241 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 5778 ROCK SPRAY CT, FREDERICK, MD 21703-7241 |
| Document Number | 0165340260 |
|---|---|
| Date | Jul 27, 2023 |
| Book Page | 16534/260 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 19, 2021 |
| Property Address | 5778 ROCK SPRAY CT, FREDERICK, MD 21703-7241 |
| Document Number | 0147820328 |
| Book / Page | 14782 / 328 |
| Map Reference | MB 44 FO 100 |
| Instrument Date | Mar 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5778 ROCK SPRAY CT, FREDERICK, MD 21703-7241 |
| Document Number | 14782335 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 14782/335 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 5778 Rock Spray Ct was $3,721.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $314,367 | $348,500 Land $100,000 Building $248,500 | |
| 2025 | $3,721.00 | ||
| 2023 | $2,993.00 | $247,900 | $297,300 Land $80,000 Building $217,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5778 Rock Spray Ct in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| 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.
The area around 5778 Rock Spray Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 254 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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