3548 Winthrop Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3548 Winthrop Ln, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,384 sqft · built 2002
Lot Size	0.067 acres (2,915 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,900 (Sep 2024)
Tax Bill	$6,308 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-229968`

Property Details

APN / Parcel Number

Primary APN	`07-229968`
Alternative APNs	`7229968` `229968`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,384 sqft Living Area
1st Floor Area	904 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,915 sqft (0.067 acres)
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	229968
Street Address	3548 WINTHROP LN
City	FREDERICK
State	MD
Zip	21704-7865
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 410 SECTION K4 2,915 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Block	1
Legal Lot Number	410
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1016
Census Tract	752202

Owner

Source: Frederick County records, as of May 29, 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	3548 WINTHROP LN, FREDERICK, MD 21704-7865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOC L.P
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
May 4, 2018	Grant Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	May 4, 2018 · Amount on Record
Deed Book / Page	17030 / 471
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	May 21, 2026
Property Address	3548 WINTHROP LN, FREDERICK, MD 21704-7865
Document Number	1787000200
Book / Page	17873 / 200
Instrument Date	May 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	EMPIRE TITLE AND ESCROW, EMPRESS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3548 WINTHROP LN, FREDERICK, MD 21704-7865
Investor	Possibly a Property Investor

Mortgage

Document Number	1787000200,
Date	May 21, 2026
Book Page	17873/200

Lender

Name	PROVIDENT FUNDING ASSOC L.P

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3548 WINTHROP LN, FREDERICK, MD 21704-7865
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137530485
Date	May 22, 2020
Book Page	13753/485

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 4, 2018
Property Address	3548 WINTHROP LN, FREDERICK, MD 21704-7865
Document Number	0123940164
Book / Page	012394 / 000164
Instrument Date	Apr 19, 2018
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3548 WINTHROP LN FREDERICK MD 217047865, FREDERICK, MD 21704-7865

Mortgage

Document Number	123940170
Date	May 4, 2018
Book Page	012394/000170

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,308.00 (+17.38%)	$435,700 (+13.5%)	$498,500 (+23.3%) Land $170,000 Building $328,500
2023	$5,374.00 Homeowner's exemption	$383,867	$404,300 Land $135,000 Building $269,300

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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