5822 Zoe Ln, Frederick, MD 21704 Property Records

Frederick County property record for 5822 Zoe Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,144 sqft · built 2019
Lot Size	0.154 acres (6,731 sqft)
Owner	Individual Name on File
Last Sale	$768,895 (Sep 2022)
Tax Bill	$6,279 (2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-597981`

Property Details

APN / Parcel Number

Primary APN	`09-597981`
Alternative APN	`597981`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,144 sqft Total Area

Exterior

Year Built	Built 2019
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,731 sqft (0.154 acres)
Porch	Open Porch
Porch Area	108 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	597981
Street Address	5822 ZOE LN
City	FREDERICK
State	MD
Zip	21704-6880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 141 PHASE 1A 6,731 SQ FT PRESERVE AT AT LONG BRAN
Legal Subdivision	LONG BRANCH
Legal Phase	6,1A
Legal Lot Number	141
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	1
Census Block	1007
Census Tract	751904

Owner

5822 Zoe Ln is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5822 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
Sep 21, 2022	Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
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	Sep 21, 2022 · Amount on File
Deed Sale	Sep 21, 2022 · Amount on File
Prior Sale	Oct 10, 2019 · Amount on File
Deed Document Number	0016143292
Deed Book / Page	16143 / 292
Record Updated	Jun 7, 2026

September 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 21, 2022
Property Address	5822 ZOE LN, FREDERICK, MD 21704-6880
Document Number	0161430292
Book / Page	16143 / 292
Map Reference	MB 101 PG 120
Instrument Date	Sep 15, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 3, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,922.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5822 ZOE LN, FREDERICK, MD 21704-6880

Mortgage

Document Number	0016143302
Date	Sep 21, 2022
Instrument	16143/302

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2019
Property Address	5822 ZOE LN, FREDERICK, MD 21704-6880
Document Number	0132660226
Book / Page	013266 / 000226
Instrument Date	Jun 19, 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	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

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	$6,279.00	$528,267	$554,400 Land $140,400 Building $414,000

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

Flood

FEMA maps place 5822 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 5822 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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