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3540 Winthrop Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3540 Winthrop Ln, Frederick, MD 21704 · Last verified August 2026

Property Summary

Property TypeTownhouse
Details3.5 ba · 1,760 sqft · built 2002
Lot Size0.044 acres (1,900 sqft)
OwnerIndividual Name on File
Last Sale$229,100 (Apr 2002)
Tax Bill$5,587 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-229739

Property Details

APN / Parcel Number

Primary APN07-229739
Alternative APNs
  • 7229739
  • 229739

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,760 sqft Living Area
1st Floor Area880 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,900 sqft (0.044 acres)
Deck Area288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number229739
Street Address3540 WINTHROP LN
CityFREDERICK
StateMD
Zip21704-7865
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 406 SECTION K4 1,900 SQ. FT. VILLAGES OF URBANA
Legal SubdivisionVILLAGES URBANA
Legal Lot Number406
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group1
Census Block1016
Census Tract752202

Owner

Source: Frederick County records · APN 07-229739

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 RecordIndividual Name on File
Mailing Address3540 WINTHROP LN, FREDERICK, MD 21704-7865
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Aug 15, 2017Grant Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 23, 2002 · Amount on Record
Deed SaleApr 23, 2002 · Amount on Record
Deed Document Number20023054
Deed Book / Page3129 / 59
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3540 WINTHROP LN, FREDERICK, MD 21704-7865
Transaction TypeMortgage
Record UpdatedOct 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3540 WINTHROP LN, FREDERICK, MD 21704-7865

Mortgage

Document Number0142970221
DateNov 24, 2020
Book Page14297/221
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
AddressISELIN, NJ 08830
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateAug 15, 2017
Property Address3540 WINTHROP LN, FREDERICK, MD 21704-7865
Document Number0119790256
Book / Page011979 / 000256
Instrument DateAug 04, 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 records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick 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.

YearTax BillAssessed ValueAssessed Market Value
2026$459,767 (+27.36%)$495,400 (+27.52%) Land $170,000 Building $325,400
2025$5,587.00 (+10.37%)
2023$5,062.00 Homeowner's exemption$361,000$388,500 Land $135,000 Building $253,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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