Frederick County property record for 594 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,790 sqft · built 1992 |
| Lot Size | 0.108 acres (4,718 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $417,000 (Jul 2021) |
| Tax Bill | $7,263 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-170345 |
| Primary APN | 02-170345 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,190 sqft Living Area |
| Gross Area | 2,399 sqft |
| 1st Floor Area | 895 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,718 sqft (0.108 acres) |
| Garage Type | Attached |
| Garage Area | 209 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 180 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 170345 |
|---|---|
| Street Address | 594 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 4100 PLAT 1 SEC 1 0.1083 ACRE OVERLOOK |
| Legal Subdivision | OVERLOOK |
| Legal Lot Number | 4100 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 750505 |
Source: Frederick County records, as of August 7, 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 | 594 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Partial Claim Mortgage US BANK NA |
| Jul 8, 2021 | Deed, Transfer · FHA Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on Record |
| Deed Sale | Jul 8, 2021 · Amount on Record |
| Prior Sale | Dec 17, 2008 · Amount on Record |
| Deed Book / Page | 15074 / 373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 594 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 594 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0176180101 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 17618/101 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 8, 2021 |
| Property Address | 594 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0150740373 |
| Book / Page | 15074 / 373 |
| Map Reference | MB 43 PG 178 |
| Instrument Date | Jul 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,085.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11800 ETON MANOR DR, GERMANTOWN, MD 20876-3941 |
| Document Number | 15074379 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 15074/379 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | $433,100 (+31.12%) | $466,700 (+12.11%) Land $115,000 Building $351,700 | |
| 2025 | $7,263.00 (+20.55%) | ||
| 2023 | $6,025.00 | $330,300 | $416,300 Land $115,000 Building $301,300 |
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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