Frederick County property record for 3537 Winthrop Ln, Frederick, MD 21704
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,760 sqft · built 2002 |
| Lot Size | 0.044 acres (1,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,622 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-229860 |
| Primary APN | 07-229860 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,900 sqft (0.044 acres) |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 229860 |
|---|---|
| Street Address | 3537 WINTHROP LN |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7866 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 422 SECTION K4 1,900 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES URBANA |
| Legal Lot Number | 422 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 752202 |
3537 Winthrop Ln, a townhouse, is owned and occupied by an individual who acquired it in October 2006.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3537 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Aug 15, 2017 | Grant Deed, Transfer NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2006 |
| Deed Sale | Oct 12, 2006 |
| Prior Sale | Jun 18, 2002 · Amount on File |
| Deed Document Number | 200666999 |
| Deed Book / Page | 6262 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3537 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 3537 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Document Number | 0168550096 |
|---|---|
| Date | May 8, 2024 |
| Book Page | 16855/96 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 26, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.59% |
| Type Change Date | Apr 26, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.59% |
| Max Rate At Change | 9.59% |
| Index | 1-Year T-Bill |
| Margin | 1 |
| Max Rate | 13.5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 15, 2017 |
| Property Address | 3537 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Document Number | 0119790256 |
| Book / Page | 011979 / 000256 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2017 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $322.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3542 WINTHROP LN FREDERICK MD 217047865, FREDERICK, MD 21704-7865 |
| Investor | Possibly a Property Investor |
| Document Number | 119790262 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 011979/000262 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 14, 2047 |
The 2025 property tax bill for 3537 Winthrop Ln was $5,622 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $462,300 (+8.42%) | $498,200 (-) Land $170,000 Building $328,200 | |
| 2025 | $5,622.00 Homeowner's exemption | $426,400 | $498,200 Land $170,000 Building $328,200 |
| 2023 | $5,093.00 Homeowner's exemption | $363,133 | $390,500 Land $135,000 Building $255,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3537 Winthrop Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 3537 Winthrop Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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