Frederick County property record for 603 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,762 sqft · built 1992 |
| Lot Size | 0.132 acres (5,737 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Oct 2017) |
| Tax Bill | $9,017 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Dec 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-169967 |
| Primary APN | 02-169967 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,762 sqft Living Area |
| Gross Area | 3,142 sqft |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 740 sqft |
| Finished Basement | 740 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,737 sqft (0.132 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Deck Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 169967 |
|---|---|
| Street Address | 603 WINTERSPICE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-4409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LT 4002 SEC 4 PLAT 0.1317 ACRES OVERLOOK |
| Legal Subdivision | OVERLOOK |
| Legal Lot Number | 4002 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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 | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Dec 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 5, 2018 | Deed of Trust, Mortgage JDM TITLE LLC |
| Apr 28, 2017 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICA FIN'L |
| Oct 12, 2017 | Grant Deed, Transfer · FHA Mortgage NEW AMERICA FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2017 · Amount on Record |
| Deed Sale | Oct 12, 2017 · Amount on Record |
| Prior Sale | Oct 17, 2007 |
| Deed Document Number | 201712076-0018 |
| Deed Book / Page | 12076 / 18 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0166000414 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 16600/414 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0143330312 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 14333/312 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | DALLAS, TX 75251 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | ADVANTAGE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0151500076 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 15150/76 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0126810482 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | JDM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 603 WINTERSPICE DR FREDERICK MD 217034409, FREDERICK, MD 21703-4409 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0126810467 |
| Instrument Date | Apr 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | JDM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 603 WINTERSPICE DR FREDERICK MD 217034409, FREDERICK, MD 21703-4409 |
| Document Number | 0126810467 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 012681/000467 |
| Name | NEW AMERICA FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GALTHERSBURG, MO 20878 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 11, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 12, 2017 |
| Property Address | 603 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0120760025 |
| Book / Page | 012076 / 000025 |
| Instrument Date | Apr 20, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | JDM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 603 WINTERSPICE DR FREDERICK MD 217034409, FREDERICK, MD 21703-4409 |
| Document Number | 120760027 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 012076/000027 |
| Name | NEW AMERICA FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 11, 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 | $509,933 (+4.24%) | $551,400 (+12.71%) Land $120,700 Building $430,700 | |
| 2025 | $9,017.00 (+26.39%) | $489,200 (+24.8%) Land $120,700 Building $368,500 | $489,200 (-) Land $120,700 Building $368,500 |
| 2023 | $7,134.00 | $392,000 | $489,200 Land $120,700 Building $368,500 |
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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