Frederick County property record for 5864 Winter Oaks Pl, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,245 sqft · built 2000 |
| Lot Size | 0.44 acres (19,169 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $418,000 (Jan 2010) |
| Tax Bill | $5,697 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-302395 |
| Primary APN | 09-302395 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,245 sqft Living Area |
| Gross Area | 2,665 sqft |
| 1st Floor Area | 1,257 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,169 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 78 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 302395 |
|---|---|
| Street Address | 5864 WINTER OAKS PL |
| City | FREDERICK |
| State | MD |
| Zip | 21704-6872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 24 PHASE III PL 5 19,169 SQ. FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 751904 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Monocacy National Battlefield listed 1973 · 4 contributing resources · National Historic Landmark (designated 1973) · NRIS 66000908 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
5864 Winter Oaks Pl is owned and occupied by two individuals who acquired it in February 2013.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5864 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 17, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2010 · Amount on File |
| Deed Sale | Jan 25, 2010 · Amount on File |
| Prior Sale | Aug 9, 2000 · Amount on File |
| Deed Document Number | 2010240 |
| Deed Book / Page | 7682 / 76 |
| Last Transfer Date | Feb 28, 2013 |
| Transfer Doc | 0095890146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5864 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5864 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0164030277 |
|---|---|
| Date | Apr 17, 2023 |
| Book Page | 16403/277 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5864 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0137810355 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2020 |
| Title Company | TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC |
| Name | Verified Name |
|---|---|
| Address | 5864 WINTER OAKS PL FREDERICK MD 217046872, FREDERICK, MD 21704-6872 |
| Document Number | 0137810355 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 013781/000355 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 2, 2050 |
The 2025 property tax bill for 5864 Winter Oaks Pl was $5,697 with a homeowner's exemption, up 6.3% from the year before.
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 | $523,100 (+9.16%) | $567,000 (-) Land $157,800 Building $409,200 | |
| 2025 | $5,697.00 (+6.31%) Homeowner's exemption | $479,200 | $567,000 Land $157,800 Building $409,200 |
| 2024 | $5,359.00 (+7.89%) | ||
| 2023 | $4,967.00 Homeowner's exemption | $416,367 | $435,300 Land $133,800 Building $301,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5864 Winter Oaks Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 5864 Winter Oaks Pl is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 202 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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