5869 Winter Oaks Pl, Frederick, MD 21704 Property Records

Frederick County property record for 5869 Winter Oaks Pl, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,828 sqft · built 2001
Lot Size	0.556 acres (24,233 sqft)
Owner	2 Individual Names on File
Last Sale	$272,047 (Apr 2001)
Tax Bill	$6,802 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-302514`

Property Details

APN / Parcel Number

Primary APN	`09-302514`
Alternative APNs	`9302514` `302514`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,828 sqft Living Area
Gross Area	3,228 sqft
1st Floor Area	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,233 sqft (0.556 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	302514
Street Address	5869 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 32 PHASE III PL 6 24,233 SQ. FT. RIVER OAKS
Legal Subdivision	RIVER OAKS
Legal Phase	3
Legal Lot Number	32
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	3
Census Block	3007
Census Tract	751904

Historic Designation

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.

Owner

5869 Winter Oaks Pl is owned and occupied by two individuals who bought it in April 2001.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5869 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2001 · Amount on File
Deed Sale	Apr 25, 2001 · Amount on File
Prior Sale	Oct 10, 2000 · Amount on File
Deed Document Number	20012460
Deed Book / Page	2855 / 54
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 29, 2026
Property Address	5869 WINTER OAKS PL, FREDERICK, MD 21704-6872
Document Number	1798000065
Book / Page	17980 / 65
Instrument Date	Jul 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	5869 WINTER OAKS PL, FREDERICK, MD 21704-6872

Mortgage

Document Number	1798000065,
Date	Jul 29, 2026
Book Page	17980/65

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 5869 Winter Oaks Pl was $6,802.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$598,800	$648,100 Land $167,400 Building $480,700
2025	$6,802.00
2023	$5,676.00	$476,833	$500,200 Land $143,400 Building $356,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5869 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

Wildfire risk around 5869 Winter Oaks Pl is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

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 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