Frederick County property record for 595 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,916 sqft · built 1991 |
| Lot Size | 0.133 acres (5,789 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $254,900 (May 2010) |
| Tax Bill | $6,879 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-170396 |
| Primary APN | 02-170396 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,916 sqft Living Area |
| 1st Floor Area | 1,414 sqft |
| Basement Area | 470 sqft |
| Finished Basement | 470 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,789 sqft (0.133 acres) |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Deck Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 170396 |
|---|---|
| Street Address | 595 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 4104 PLAT 1 SEC 1 0.1329 ACRE OVERLOOK |
| Legal Subdivision | OVERLOOK SEC 04 01 |
| Legal Lot Number | 4104 |
| 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 4, 2025
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 | 595 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| May 1, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2010 · Amount on Record |
| Deed Sale | May 13, 2010 · Amount on Record |
| Prior Sale | May 13, 2010 · Amount on Record |
| Deed Document Number | 20102060 |
| Deed Book / Page | 7816 / 214 |
| Last Transfer Date | Apr 22, 2020 |
| Transfer Doc | 0136980190 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 595 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | PINNACLE TITLE AGENCY, PINNACLE T&E INC |
| Name | Verified Name |
|---|---|
| Address | 595 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0146950133 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 14695/133 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 1, 2020 |
| Property Address | 595 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 0136980190 |
| Book / Page | 13698 / 190 |
| Map Reference | MB 43 PG 178 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PINNACLE TITLE & ESCROW INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 595 WINTERSPICE DR, FREDERICK, MD 21703-4407 |
| Document Number | 136980194 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 13698/0194 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $474,400 (+24.56%) Land $120,700 Building $353,700 | $474,400 (-) Land $120,700 Building $353,700 | |
| 2024 | $6,879.00 (+7.27%) | ||
| 2023 | $6,413.00 Homeowner's exemption | $380,867 | $474,400 Land $120,700 Building $353,700 |
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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