Frederick County property record for 590 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,630 sqft · built 1990 |
| Lot Size | 0.13 acres (5,676 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Feb 2016) |
| Tax Bill | $8,543 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-170353 |
| Primary APN | 02-170353 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 2,839 sqft |
| 1st Floor Area | 956 sqft |
| Basement Area | 837 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,676 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 209 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 28 sqft |
| Deck Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 170353 |
|---|---|
| Street Address | 590 WINTERSPICE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-4407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LT 4101 PLAT 1 SEC 1 0.1303 ACRE OVERLOOK |
| Legal Subdivision | OVERLOOK |
| Legal Lot Number | 4101 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 750505 |
590 Winterspice Dr is owned and occupied by two individuals who bought it in February 2016.
Source: Frederick County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage SETTLEMENT SERVICES, COVIUS SETTLEMENT SERVICES L |
| Mar 28, 2024 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Oct 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2016 · Amount on File |
| Deed Sale | Feb 12, 2016 · Amount on File |
| Prior Sale | Aug 8, 1997 · Amount on File |
| Deed Book / Page | 10990 / 462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 21, 2026 |
| Property Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 1805000354 |
| Book / Page | 18054 / 354 |
| Instrument Date | Aug 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | SETTLEMENT SERVICES, COVIUS SETTLEMENT SERVICES L |
| Name | Verified Name |
|---|---|
| Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 1805000354, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 18054/354 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0168080420 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | 16808/420 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 590 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0166320465 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 16632/465 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 590 Winterspice Dr was $8,543.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $482,500 (+4.17%) | $521,100 (+12.5%) Land $120,600 Building $400,500 | |
| 2025 | $8,543.00 | $463,200 Land $120,600 Building $342,600 | $463,200 Land $120,600 Building $342,600 |
| 2023 | $6,774.00 | $371,933 | $463,200 Land $120,600 Building $342,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 590 Winterspice Dr in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 units insured incl. 12 condo units |
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.
The area around 590 Winterspice Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 509 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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