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3534 Winthrop Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3534 Winthrop Ln, Frederick, MD 21704

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,340 sqft · built 2002
Lot Size0.041 acres (1,800 sqft)
OwnerCompany Name on Record
Last Sale$510,000 (Oct 2024)
Tax Bill$6,298 (2025)
Deeds & MortgagesApr 2023 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-229704

Property Details

APN / Parcel Number

Primary APN07-229704
Alternative APNs
  • 7229704
  • 229704

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,340 sqft Living Area
1st Floor Area820 sqft
Basement Area700 sqft
Finished Basement700 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,800 sqft (0.041 acres)
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number229704
Street Address3534 WINTHROP LN
CityFREDERICK
StateMD
Zip21704-7865
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 403 SECTION K4 1,800 SQ. FT. VILLAGES OF URBANA
Legal SubdivisionVILLAGES URBANA
Legal Lot Number403
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group1
Census Block1016
Census Tract752202

Owner

Source: Frederick County records, as of August 7, 2026

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

Owner of RecordCompany Name on Record
Mailing Address11433 FLINTS GROVE LN, NORTH POTOMAC, MD 20878-2468
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Apr 4, 2023Deed of Trust, Mortgage · Commercial Mortgage
FCB BANKS
Aug 15, 2017Grant Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 23, 2024 · Amount on Record
Deed SaleOct 23, 2024 · Amount on Record
Prior SaleDec 7, 2005 · Amount on Record
Deed Book / Page17081 / 271
Record UpdatedOct 29, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3534 WINTHROP LN, FREDERICK, MD 21704-7865
Transaction TypeMortgage
Record UpdatedApr 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 DERR LN, MIDDLETOWN, MD 21769-7871

Mortgage

Document Number0163870122
DateApr 4, 2023
Book Page16387/122
Lender
NameFCB BANKS
TypeBank
AddressGETTYSBURG, PA 17325
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateAug 15, 2017
Property Address3534 WINTHROP LN, FREDERICK, MD 21704-7865
Document Number0119790256
Book / Page011979 / 000256
Instrument DateAug 4, 2017
Transaction TypeTransfer
Record UpdatedSep 13, 2017
Title CompanyLAKESIDE TITLE COMPANY INC

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3542 WINTHROP LN FREDERICK MD 217047865, FREDERICK, MD 21704-7865
InvestorPossibly a Property Investor

Mortgage

Document Number119790262
DateAug 15, 2017
Book Page011979/000262
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount Recorded
Term360 Months
DueAug 14, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$471,600 (+8.44%)$508,300 (-) Land $170,000 Building $338,300
2025$6,298.00 (+6.49%)$434,900 (+17.22%)$508,300 (+27.65%) Land $170,000 Building $338,300
2024$5,914.00 (+8.91%)
2023$5,430.00$371,000$398,200 Land $135,000 Building $263,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 16 locations within half a mile, as of December 31, 2025

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

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