3530 Winthrop Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3530 Winthrop Ln, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	4 ba · 1,760 sqft · built 2002
Lot Size	0.061 acres (2,700 sqft)
Owner	Company Name on File
Last Sale	$255,000 (Nov 2009)
Tax Bill	$5,504 (2023)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-229682`

Property Details

APN / Parcel Number

Primary APN	`07-229682`
Alternative APNs	`7229682` `229682`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,760 sqft Total Area
1st Floor Area	892 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,700 sqft (0.061 acres)
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	229682
Old Parcel Number	7229682
Street Address	3530 WINTHROP LN
City	FREDERICK
State	MD
Zip	21704-7865
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 401 SECTION K4 2,700 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	401
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1016
Census Tract	752202

Owner

Source: Frederick County records · APN 07-229682

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	Company Name on File
Mailing Address	12154 DARNESTOWN RD, GAITHERSBURG, MD 20878-2206
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 09, 2009 · Amount on Record
Deed Sale	Nov 09, 2009 · Amount on Record
Prior Sale	Jul 27, 2004 · Amount on Record
Deed Document Number	094927
Deed Book / Page	07585 / 0058
Record Updated	Jun 07, 2026

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 15, 2017
Property Address	3530 WINTHROP LN, FREDERICK, MD 21704-7865
Document Number	0119790256
Book / Page	011979 / 000256
Instrument Date	Aug 04, 2017
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$322.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3542 WINTHROP LN FREDERICK MD 217047865, FREDERICK, MD 21704-7865
Investor	Possibly a Property Investor

Mortgage

Document Number	119790262
Date	Aug 15, 2017
Book Page	011979/000262

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$5,504.00	$377,267	$397,300 Land $135,000 Building $262,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), as of November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217522021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 16 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0100030, as of 2026 Q3 · EPA water system boundaries as of 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

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 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.