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3542 Winthrop Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3542 Winthrop Ln, Frederick, MD 21704

Property Summary

Property TypeTownhouse
Details4 ba · 1,520 sqft · built 2002
Lot Size0.043 acres (1,900 sqft)
Owner2 Individual Names on Record
Last Sale$322,000 (Aug 2017)
Tax Bill$4,928 (2023)
Deeds & MortgagesFeb 2021 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-229747

Property Details

APN / Parcel Number

Primary APN07-229747
Alternative APNs
  • 7229747
  • 229747

Interior

Full Baths4 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area1,520 sqft Total Area
1st Floor Area880 sqft
Basement Area750 sqft
Finished Basement750 sqft

Exterior

Year BuiltBuilt 2002
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,900 sqft (0.043 acres)
Deck Area300 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number229747
Old Parcel Number7229747
Street Address3542 WINTHROP LN
CityFREDERICK
StateMD
Zip21704-7865
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 407 SECTION K4 1,900 SQ. FT. VILLAGES OF URBANA
Legal SubdivisionVILLAGES URBANA
Legal Lot Number407
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group1
Census Block1016
Census Tract752202

Owner

Source: Frederick County records, as of September 25, 2023

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

Owner of Record2 Individual Names on Record
Mailing Address3542 WINTHROP LN, FREDERICK, MD 21704-7865
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
BAY CAPITAL MORTGAGE CORP
Aug 15, 2017Grant Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 15, 2017 · Amount on Record
Deed SaleAug 15, 2017 · Amount on Record
Prior SaleSep 15, 2004 · Amount on Record
Deed Document Number0011979256
Deed Book / Page11979 / 256
Record UpdatedJun 7, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3542 WINTHROP LN, FREDERICK, MD 21704-7865
Transaction TypeMortgage
Record UpdatedOct 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3542 WINTHROP LN, FREDERICK, MD 21704-7865

Mortgage

Document Number0145420361
DateFeb 16, 2021
Book Page14542/361
Lender
NameBAY CAPITAL MORTGAGE CORP
TypeMortgage Company
AddressANNAPOLIS, MD 21401
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2051

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateAug 15, 2017
Property Address3542 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 July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$4,928.00 Homeowner's exemption$363,167$390,900 Land $135,000 Building $255,900

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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