5801 Zoe Ln, Frederick, MD 21704 Property Records

Frederick County property record for 5801 Zoe Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,164 sqft · built 2019
Lot Size	0.141 acres (6,167 sqft)
Owner	2 Individual Names on File
Last Sale	$520,490 (Feb 2020)
Tax Bill	$6,916 (2023)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-597975`

Property Details

APN / Parcel Number

Primary APN	`09-597975`
Alternative APN	`597975`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,164 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 2019
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,167 sqft (0.141 acres)
Garage Type	Built-in
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	597975
Street Address	5801 ZOE LN
City	FREDERICK
State	MD
Zip	21704-6879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 PHASE 1A 6,167 SQ FT PRESERVE AT AT LONG BRAN
Legal Subdivision	PRESERVE/LONG BRANCH
Legal Phase	6,1A
Legal Lot Number	7
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1007
Census Tract	751904

Owner

5801 Zoe Ln is owned and occupied by two individuals who bought it in February 2020.

Source: Frederick County records, as of September 25, 2023

Owner of Record	2 Individual Names on File
Mailing Address	5801 ZOE LN, FREDERICK, MD 21704-6879
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONGRESSIONAL BK
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AURORA FIN'L
Feb 11, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG
Oct 10, 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	Feb 11, 2020 · Amount on File
Deed Sale	Feb 11, 2020 · Amount on File
Prior Sale	Oct 10, 2019 · Amount on File
Deed Document Number	0013521447
Deed Book / Page	13521 / 447
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5801 ZOE LN, FREDERICK, MD 21704-6879
Document Number	0143790379
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5801 ZOE LN FREDERICK MD 217046879, FREDERICK, MD 21704-6879

Mortgage

Document Number	0143790379
Date	Dec 21, 2020
Book Page	014379/000379

Lender

Name	CONGRESSIONAL BK
Type	Bank
Address	CHEVY CHASE, MD 20815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 20, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5801 ZOE LN, FREDERICK, MD 21704-6879
Document Number	0138750084
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5801 ZOE LN FREDERICK MD 217046879, FREDERICK, MD 21704-6879

Mortgage

Document Number	0138750084
Date	Jul 7, 2020
Book Page	013875/000084

Lender

Name	AURORA FIN'L
Type	Funding / Finance Company
Address	MCLEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 6, 2035

February 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 11, 2020
Property Address	5801 ZOE LN, FREDERICK, MD 21704-6879
Document Number	0135210447
Book / Page	013521 / 000447
Instrument Date	Dec 30, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	May 8, 2020
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5801 ZOE LN FREDERICK MD 217046879, FREDERICK, MD 21704-6879

Mortgage

Document Number	135210457
Date	Feb 11, 2020
Book Page	013521/000457

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Feb 10, 2035

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2019
Property Address	5801 ZOE LN, FREDERICK, MD 21704-6879
Document Number	0132660235
Book / Page	013266 / 000235
Instrument Date	Jun 25, 2019
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Tax	$1,800.00
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	$6,916.00 Homeowner's exemption	$589,333	$620,100 Land $140,300 Building $479,800

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

Flood

FEMA maps place 5801 Zoe Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 5801 Zoe Ln is low, with a 0.01% annual chance of 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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