5873 Winter Oaks Pl, Frederick, MD 21704 Property Records

Frederick County property record for 5873 Winter Oaks Pl, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,448 sqft · built 1998
Lot Size	0.824 acres (35,904 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jul 2003)
Tax Bill	$8,223 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-302492`

Property Details

APN / Parcel Number

Primary APN	`09-302492`
Alternative APNs	`9302492` `302492`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,448 sqft Living Area
Gross Area	4,848 sqft
1st Floor Area	1,868 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	35,904 sqft (0.824 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	302492
Street Address	5873 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 30 PHASE III PL 6 35,904 SQ. FT. RIVER OAKS
Legal Subdivision	RIVER OAKS PH 03 06
Legal Phase	3
Legal Lot Number	30
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

5873 Winter Oaks Pl is owned and occupied by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	5873 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	Jul 28, 2003 · Amount on File
Deed Sale	Jul 28, 2003 · Amount on File
Prior Sale	Dec 24, 1997 · Amount on File
Deed Document Number	20035107
Deed Book / Page	3953 / 225
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5873 WINTER OAKS PL, FREDERICK, MD 21704-6872
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5873 WINTER OAKS PL, FREDERICK, MD 21704-6872

Mortgage

Document Number	0158040400
Date	Mar 21, 2022
Book Page	15804/400

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5873 Winter Oaks Pl was $8,223 with a homeowner's exemption.

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		$770,033	$833,300 Land $189,500 Building $643,800
2025	$8,223.00
2023	$7,132.00 Homeowner's exemption	$610,433	$643,500 Land $165,500 Building $478,000

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

Flood

FEMA maps place 5873 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 5873 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.

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