Frederick County property record for 228 Windom Way, Frederick, MD 21702 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,425 sqft · built 2015 |
| Lot Size | 0.267 acres (11,637 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $516,000 (Mar 2015) |
| Tax Bill | $10,569 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2019 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-590522 |
| Primary APN | 02-590522 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,425 sqft Living Area |
| Gross Area | 4,850 sqft |
| 1st Floor Area | 1,934 sqft |
| Basement Area | 956 sqft |
| Finished Basement | 956 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,637 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 425 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Deck Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 590522 |
|---|---|
| Street Address | 228 WINDOM WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21702-3142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 831 PLAT 3 SECTI 11,637 SQ FT CLOVER RIDGE |
| Legal Subdivision | CLOVER RIDGE SUB SEC 7 3 |
| Legal Lot Number | 831 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 21, TUSCARORA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 751201 |
Source: Frederick County records · APN 02-590522
Assessment roll updated August 4, 2025 · Last verified May 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 | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Jul 08, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASA FCU |
| Feb 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Feb 10, 2022 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 06, 2015 · Amount on Record |
| Deed Sale | Mar 06, 2015 · Amount on Record |
| Deed Book / Page | 10416 / 93 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 27, 2026 |
| Property Address | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Document Number | 1783000003 |
| Book / Page | 17836 / 3 |
| Instrument Date | Apr 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SUMMIT SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Document Number | 1783000003, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 17836/3 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0130700320 |
|---|---|
| Date | Jul 08, 2019 |
| Book Page | 13070/0320 |
| Name | NASA FCU |
|---|---|
| Type | Credit Union |
| Address | BOWIE, MD 20716 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 25, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0157200033 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 15720/33 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 228 WINDOM WAY, FREDERICK, MD 21702-3142 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0157200050 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 15720/50 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 25, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| 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 |
|---|---|---|---|
| 2025 | $656,400 (+16.56%) Land $110,600 Building $545,800 | $656,400 (-) Land $110,600 Building $545,800 | |
| 2024 | $10,569.00 (+7.19%) | ||
| 2023 | $9,860.00 Homeowner's exemption | $563,133 | $656,400 Land $110,600 Building $545,800 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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