5802 Zoe Ln, Frederick, MD 21704 Property Records

Frederick County property record for 5802 Zoe Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,370 sqft · built 2020
Lot Size	0.168 acres (7,361 sqft)
Owner	2 Individual Names on File
Last Sale	$533,025 (Mar 2020)
Tax Bill	$7,095 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-597976`

Property Details

APN / Parcel Number

Primary APN	`09-597976`
Alternative APN	`597976`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,370 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,361 sqft (0.168 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	597976
Street Address	5802 ZOE LN
City	FREDERICK
State	MD
Zip	21704-6880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 136 PHASE 1A 7,361 SQ FT PRESERVE AT AT LONG BRAN
Legal Subdivision	PRESERVE/LONG BRANCH PH 1A
Legal Phase	7,1A
Legal Lot Number	136
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1007
Census Tract	751904

Owner

5802 Zoe Ln is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5802 ZOE LN, FREDERICK, MD 21704-6880
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
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage KWIK MORTGAGE CORP
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 23, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI TOWNEBANK 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	Mar 23, 2020 · Amount on File
Deed Sale	Mar 23, 2020 · Amount on File
Prior Sale	Oct 10, 2019 · Amount on File
Deed Document Number	0013607385
Deed Book / Page	13607 / 385
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5802 ZOE LN, FREDERICK, MD 21704-6880
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5802 ZOE LN, FREDERICK, MD 21704-6880

Mortgage

Document Number	0176140468
Date	Nov 24, 2025
Book Page	17614/468

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5802 ZOE LN, FREDERICK, MD 21704-6880
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5802 ZOE LN, FREDERICK, MD 21704-6880

Mortgage

Document Number	0161180001
Date	Sep 6, 2022
Book Page	16118/1

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 16, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2020
Property Address	5802 ZOE LN, FREDERICK, MD 21704-6880
Document Number	0136070385
Book / Page	013607 / 000385
Instrument Date	Mar 17, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	May 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$533.00
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	5802 ZOE LN FREDERICK MD 217046880, FREDERICK, MD 21704-6880

Mortgage

Document Number	136070395
Date	Mar 23, 2020
Book Page	013607/000395

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2019
Property Address	5802 ZOE LN, FREDERICK, MD 21704-6880
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	$7,095.00 Homeowner's exemption	$603,667	$634,600 Land $140,600 Building $494,000

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

Flood

FEMA maps place 5802 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 5802 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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