597 Winterspice Dr, Frederick, MD 21703 Property Records

Frederick County property record for 597 Winterspice Dr, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,167 sqft · built 1991
Lot Size	0.114 acres (4,961 sqft)
Owner	Individual Name on Record
Last Sale	$334,000 (Mar 2018)
Tax Bill	$8,046 (2025)
Deeds & Mortgages	Mar 2026 Transfer Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-170418`

Property Details

APN / Parcel Number

Primary APN	`02-170418`
Alternative APNs	`2170418` `170418`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,167 sqft Living Area
Gross Area	2,527 sqft
1st Floor Area	824 sqft
Basement Area	575 sqft
Finished Basement	575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,961 sqft (0.114 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	96 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	170418
Street Address	597 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 4105 PLAT 1 SEC 1 0.1139 ACRE OVERLOOK
Legal Subdivision	OVERLOOK
Legal Lot Number	4105
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2019
Census Tract	750505

Owner

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	Individual Name on Record
Mailing Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Divorce Transfer, Transfer
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Oct 10, 2019	Deed of Trust, Mortgage · FHA Mortgage NFM LNDG
Mar 26, 2018	Grant Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Jun 13, 2017	Grant Deed, Transfer ATTORNEY ONLY
Mar 1, 2017	Grant Deed, Transfer ATTORNEY ONLY
Mar 1, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Prior Sale	Jun 13, 2017 · Amount on Record
Deed Book / Page	12331 / 281
Last Transfer Date	Jul 8, 2024
Transfer Doc	1779000359
Record Updated	Oct 29, 2026

March 2026: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 31, 2026
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0177930359
Book / Page	17793 / 359
Map Reference	MB 43 PL 178
Instrument Date	Jul 8, 2024
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407

Mortgage

Document Number	0146800285
Date	Mar 22, 2021
Book Page	14680/285

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0132800193
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	LAKESIDE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	597 WINTERSPICE DR FREDERICK MD 217034407, FREDERICK, MD 21703-4407

Mortgage

Document Number	0132800193
Date	Oct 18, 2019
Book Page	013280/000193

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 26, 2018
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0123310281
Book / Page	012331 / 000281
Instrument Date	Mar 20, 2018
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	597 WINTERSPICE DR FREDERICK MD 217034407, FREDERICK, MD 21703-4407

Mortgage

Document Number	123310286
Date	Mar 26, 2018
Book Page	012331/000286

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 13, 2017
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0118670085
Book / Page	011867 / 000085
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6613 GOOSEANDER CT FREDERICK MD 217039536, FREDERICK, MD 21703-9536

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 1, 2017
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0116940235
Book / Page	011694 / 000235
Instrument Date	Jan 20, 2017
Transaction Type	Transfer
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE NASHVILLE TN 372031042, NASHVILLE, TN 37203-1042

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 1, 2017
Property Address	597 WINTERSPICE DR, FREDERICK, MD 21703-4407
Document Number	0116940230
Book / Page	011694 / 000230
Instrument Date	Jan 9, 2017
Transaction Type	Foreclosure
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$218.53
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5016 PARKWAY PLAZA BLVD CHARLOTTE NC 282171932, CHARLOTTE, NC 28217-1932

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$453,900 (+4.11%)	$489,700 (+12.32%) Land $119,000 Building $370,700
2025	$8,046.00 (+10.2%)	$436,000 (+24.17%) Land $119,000 Building $317,000	$436,000 (-) Land $119,000 Building $317,000
2024	$7,301.00 (+14.08%)
2023	$6,400.00	$351,133	$436,000 Land $119,000 Building $317,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

597 Winterspice Dr, Frederick, MD 21703 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2026: Divorce Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Winterspice Dr

Nearby Streets

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