10188 Winston Dr, Frederick, MD 21701 Property Records

Frederick County property record for 10188 Winston Dr, Frederick, MD 21701 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,728 sqft · built 1974
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$434,900 (Dec 2021)
Tax Bill	$4,841 (2024)
Deeds & Mortgages	May 2024 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-297940`

Property Details

APN / Parcel Number

Primary APN	`13-297940`
Alternative APN	`297940`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	360 sqft
Deck Area	504 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	297940
Street Address	10188 WINSTON DR
City	FREDERICK
State	MD
Zip	21701-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 17, SECT.2, 0.60 N/S WINSTON DR. PLEASANT HGTS
Legal Subdivision	PLEASANT HEIGHTS SEC 02
Legal Lot Number	17
Jurisdiction	FREDERICK MD
Township / Civil Division	13, MOUNT PLEASANT
Census Block Group	1
Census Block	1000
Census Tract	751701

Owner

Source: Frederick County records · APN 13-297940

Assessment roll updated August 4, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10188 WINSTON DR, FREDERICK, MD 21701-3353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 02, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 17, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 09, 2021	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 09, 2021 · Amount on Record
Deed Sale	Dec 09, 2021 · Amount on Record
Prior Sale	Mar 02, 2011 · Amount on Record
Deed Book / Page	15553 / 183
Transfer Doc	0024840556
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10188 WINSTON DR, FREDERICK, MD 21701-3353
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10188 WINSTON DR, FREDERICK, MD 21701-3353

Mortgage

Document Number	0168480454
Date	May 02, 2024
Book Page	16848/454

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Jan 01, 2052

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10188 WINSTON DR, FREDERICK, MD 21701-3353
Transaction Type	Mortgage
Record Updated	Jan 29, 2024
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10188 WINSTON DR, FREDERICK, MD 21701-3353

Mortgage

Document Number	0167340408
Date	Jan 17, 2024
Book Page	16734/408

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 01, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10188 WINSTON DR, FREDERICK, MD 21701-3353
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133920206
Date	Dec 10, 2019
Book Page	13392/0206

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 09, 2021
Property Address	10188 WINSTON DR, FREDERICK, MD 21701-3353
Document Number	0155530183
Book / Page	15553 / 183
Map Reference	MB 5 PG 118
Instrument Date	Dec 02, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10188 WINSTON DR, FREDERICK, MD 21701-3353

Mortgage

Document Number	0015553189
Date	Dec 09, 2021
Instrument	15553/189

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2025		$438,500 (+30.23%) Land $143,300 Building $295,200	$438,500 (-) Land $143,300 Building $295,200
2024	$4,841.00 (+18.25%)
2023	$4,094.00	$336,700	$438,500 Land $143,300 Building $295,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217517011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	7 (1983–2012)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Oct 2012, tidal / storm surge, Hurricane Sandy
Claims By Storm	Severe Storms And Flooding, Jan 1996 · 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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