Frederick County property record for 3538 Winthrop Ln, Frederick, MD 21704 · Last verified August 2026
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,122 sqft · built 2002 |
| Lot Size | 0.065 acres (2,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,975 (May 2002) |
| Tax Bill | $5,932 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-229720 |
| Primary APN | 07-229720 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Basement Area | 362 sqft |
| Finished Basement | 362 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 | 2,850 sqft (0.065 acres) |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 229720 |
|---|---|
| Street Address | 3538 WINTHROP LN |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7865 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 405 SECTION K4 2,850 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES URBANA |
| Legal Lot Number | 405 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 752202 |
Source: Frederick County records · APN 07-229720
Assessment roll updated August 7, 2026 · Last verified August 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 | 3538 WINTHROP LN, FREDERICK, MD 21704-7865 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP |
| Aug 15, 2017 | Grant Deed, Transfer NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 03, 2002 · Amount on Record |
| Deed Sale | May 03, 2002 · Amount on Record |
| Deed Document Number | 20023376 |
| Deed Book / Page | 3137 / 524 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3538 WINTHROP LN, FREDERICK, MD 21704-7865 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0166360301 |
|---|---|
| Date | Oct 16, 2023 |
| Book Page | 16636/301 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3538 WINTHROP LN, FREDERICK, MD 21704-7865 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 3538 WINTHROP LN, FREDERICK, MD 21704-7865 |
| Document Number | 0150050187 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 15005/187 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 15, 2017 |
| Property Address | 3538 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 |
| Amount | Amount Recorded |
|---|---|
| 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 Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 14, 2047 |
Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| 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 |
|---|---|---|---|
| 2026 | $435,000 (+22.21%) | $465,100 (+24.09%) Land $170,000 Building $295,100 | |
| 2025 | $5,932.00 (+12.93%) | ||
| 2023 | $5,253.00 | $355,933 | $374,800 Land $135,000 Building $239,800 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217522021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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