Frederick County property record for 5905 Shepherd Ln, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,100 sqft · built 2018 |
| Lot Size | 0.18 acres (7,884 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,375 (Apr 2018) |
| Tax Bill | $6,656 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-592590 |
| Primary APN | 09-592590 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,100 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,884 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 49 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 592590 |
|---|---|
| Street Address | 5905 SHEPHERD LN |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7783 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 295 PHASE 1 PLAT 7,884 SQ FT HOLLY RIDGE |
| Legal Subdivision | HOLLY RDG |
| Legal Phase | 1 |
| Legal Lot Number | 295 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 751904 |
Source: Frederick County records · APN 09-592590
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 01, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 06, 2018 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Dec 07, 2017 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2018 · Amount on Record |
| Deed Sale | Apr 06, 2018 · Amount on Record |
| Deed Document Number | 0001235468 |
| Deed Book / Page | 12354 / 68 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Title Company | BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC |
| Name | Verified Name |
|---|---|
| Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Document Number | 0176240126 |
|---|---|
| Date | Dec 01, 2025 |
| Book Page | 17624/126 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0155710254 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 15571/254 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | May 01, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 06, 2018 |
| Property Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Document Number | 0123540068 |
| Book / Page | 12354 / 0068 |
| Map Reference | MB97 PL13 |
| Instrument Date | Mar 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,246.88 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4991 NEW DESIGN RD STE 105, 4991, FREDERICK, MD 21703-7342 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Document Number | 0001235474 |
|---|---|
| Date | Apr 06, 2018 |
| Instrument | 12354/74 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 07, 2017 |
| Property Address | 5905 SHEPHERD LN, FREDERICK, MD 21704-7783 |
| Document Number | 0121710084 |
| Book / Page | 012171 / 000084 |
| Instrument Date | Nov 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $138.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4991 NEW DESIGN RD #105 FREDERICK MD 217037342, 105, FREDERICK, MD 21703-7342 |
| Investor | Possibly a Property Investor |
Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,656.00 | $560,433 | $609,300 Land $155,700 Building $453,600 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217519043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 155 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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 System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people |
|---|---|
| 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures