Frederick County property record for 5874 Winter Oaks Pl, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 4,292 sqft · built 1997 |
| Lot Size | 0.689 acres (30,015 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $596,000 (Oct 2020) |
| Tax Bill | $7,634 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-302484 |
| Primary APN | 09-302484 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,292 sqft Living Area |
| Gross Area | 4,732 sqft |
| 1st Floor Area | 1,902 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 30,015 sqft (0.689 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 44 sqft |
| Deck Area | 439 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 302484 |
|---|---|
| Street Address | 5874 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 29 PHASE III PL 6 30,015 SQ. FT. RIVER OAKS |
| Legal Subdivision | RIVER OAKS PH 03 06 |
| Legal Phase | 3 |
| Legal Lot Number | 29 |
| 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.
5874 Winter Oaks Pl is owner-occupied and held in a trust since March 2022.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 6, 2022 | Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK |
| May 4, 2022 | Intrafamily Transfer, Transfer |
| Oct 20, 2020 | Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2020 · Amount on File |
| Deed Sale | Oct 20, 2020 · Amount on File |
| Prior Sale | Jun 25, 1997 · Amount on File |
| Deed Book / Page | 14186 / 328 |
| Last Transfer Date | Mar 16, 2022 |
| Transfer Doc | 0158980182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0152520074 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 15252/74 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 5847 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0161180133 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 16118/133 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 4, 2022 |
| Property Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0158980182 |
| Book / Page | 15898 / 182 |
| Map Reference | MB 60 PL 20 |
| Instrument Date | Mar 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 20, 2020 |
| Property Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0141860328 |
| Book / Page | 14186 / 328 |
| Map Reference | MB 60 PL 20 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | MID ATLANTIC SETMNT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,490.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 14186334 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 14186/334 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5874 WINTER OAKS PL, FREDERICK, MD 21704-6872 |
| Document Number | 0120060224 |
| Book / Page | 012006 / 000224 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5874 WINTER OAKS PL FREDERICK MD 217046872, FREDERICK, MD 21704-6872 |
| Document Number | 0120060224 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 012006/000224 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2047 |
The 2025 property tax bill for 5874 Winter Oaks Pl was $7,634 with a homeowner's exemption, up 6.4% 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 | $781,733 (+9.17%) | $847,400 (-) Land $178,300 Building $669,100 | |
| 2025 | $7,634.00 (+6.4%) Homeowner's exemption | $716,067 | $847,400 Land $178,300 Building $669,100 |
| 2024 | $7,175.00 (+8.68%) | ||
| 2023 | $6,602.00 Homeowner's exemption | $600,233 | $650,400 Land $154,300 Building $496,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5874 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 5874 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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