Frederick County property record for 591 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,717 sqft · built 1990 |
| Lot Size | 0.155 acres (6,730 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $470,000 (Sep 2026) |
| Tax Bill | $8,537 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-170361 |
| Primary APN | 02-170361 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,717 sqft Living Area |
| Gross Area | 3,059 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Frame |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,730 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 342 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 170361 |
|---|---|
| Street Address | 591 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 4102 PLAT 1 SEC 1 0.1545 ACRE OVERLOOK |
| Legal Subdivision | OVERLOOK SEC 4 |
| Legal Lot Number | 4102 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 750505 |
Source: Frederick County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed, Transfer · Conventional Mortgage MERIDIAN BANK |
| Apr 12, 2023 | Deed, Transfer · VA Mortgage NORWICH COMMERCIAL GROUP INC |
| Dec 15, 2020 | Deed, Transfer · Conventional Mortgage EQUITY RESOURCES INC |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY RSRCS |
| Oct 17, 2017 | Deed, Transfer · Conventional Mortgage NEW AMERICA FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2026 · Amount on Record |
| Deed Sale | Sep 23, 2026 · Amount on Record |
| Prior Sale | Apr 12, 2023 · Amount on Record |
| Deed Book / Page | 18058 / 128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 23, 2026 |
| Property Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 1805000128 |
| Book / Page | 18058 / 128 |
| Instrument Date | Aug 25, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2026 |
| Title Company | LAKESIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $474,700.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 1805000137, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 18058/137 |
| Name | MERIDIAN BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 12, 2023 |
| Property Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0163980310 |
| Book / Page | 16398 / 310 |
| Map Reference | MB 43 PG 178 |
| Instrument Date | Apr 11, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,299.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0016398316 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 16398/316 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 15, 2020 |
| Property Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0143610322 |
| Book / Page | 14361 / 322 |
| Map Reference | MB 43 PG 178 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | KTL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 14361330 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 14361/330 |
| Name | EQUITY RESOURCES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0143610330 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 591 WINTERSPICE DR FREDERICK MD 217034407, FREDERICK, MD 21703-4407 |
| Document Number | 0143610330 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 014361/000330 |
| Name | EQUITY RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | NEWARK, OH 43055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 17, 2017 |
| Property Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0120850474 |
| Book / Page | 12085 / 0474 |
| Map Reference | MB43 PG178 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 12085-0474 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 591 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 120850480 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 12085-0480 |
| Name | NEW AMERICA FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $482,900 (+31.78%) | $522,900 (+12.96%) Land $121,700 Building $401,200 | |
| 2025 | $8,537.00 (+27.9%) | ||
| 2023 | $6,675.00 | $366,433 | $462,900 Land $121,700 Building $341,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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