Frederick County property record for 3539 Winthrop Ln, Frederick, MD 21704
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,760 sqft · built 2002 |
| Lot Size | 0.065 acres (2,850 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $520,000 (Mar 2022) |
| Tax Bill | $6,300 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Aug 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-229852 |
| Primary APN | 07-229852 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 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 | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 229852 |
|---|---|
| Street Address | 3539 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 421 SECTION K4 2,850 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES/URBANA SEC K4 |
| Legal Lot Number | 421 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 752202 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3539 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 15, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Aug 3, 2018 | Grant Deed, Transfer MONOCACY TITLE INC |
| Aug 15, 2017 | Grant Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Aug 3, 2018 · Amount on Record |
| Deed Book / Page | 15793 / 290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 15, 2022 |
| Property Address | 3539 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Document Number | 0157930290 |
| Book / Page | 15793 / 290 |
| Map Reference | MB 69 PL 162 |
| Instrument Date | Mar 11, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3602 KENT DR, 3602, NAPLES, FL 34112-3738 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2002 UNIVERSITY BLVD W, SILVER SPRING, MD 20902-4424 |
| Document Number | 0015793297 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 15793/297 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 3, 2018 |
| Property Address | 3539 WINTHROP LN, FREDERICK, MD 21704-7866 |
| Document Number | 0125500278 |
| Book / Page | 012550 / 000278 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | MONOCACY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $360.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3539 WINTHROP LN FREDERICK MD 217047866, FREDERICK, MD 21704-7866 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 15, 2017 |
| Property Address | 3539 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 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 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 | $478,900 (+21.65%) | $511,700 (+23.81%) Land $170,000 Building $341,700 | |
| 2025 | $6,300.00 (+10.6%) | ||
| 2023 | $5,696.00 | $393,667 | $413,300 Land $135,000 Building $278,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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