Frederick County property record for 607 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,815 sqft · built 1992 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Jan 2014) |
| Tax Bill | $6,871 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-169983 |
| Primary APN | 02-169983 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,815 sqft Living Area |
| Gross Area | 3,176 sqft |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 850 sqft |
| Finished Basement | 850 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 | 5,401 sqft (0.124 acres) |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 169983 |
|---|---|
| Street Address | 607 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 4004 SEC 1 PLAT 1 0.1240 ACRES OVERLOOK |
| Legal Subdivision | OVERLOOK |
| Legal Lot Number | 4004 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 750505 |
607 Winterspice Dr is owned and occupied by two individuals who bought it in January 2014.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 607 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| May 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2014 · Amount on File |
| Deed Sale | Jan 27, 2014 · Amount on File |
| Prior Sale | Aug 13, 2009 · Amount on File |
| Deed Book / Page | 9934 / 128 |
| Prior Transfer Date | Sep 20, 2010 |
| Prior Transfer Doc | 0079970016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 607 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 607 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Document Number | 0164440338 |
|---|---|
| Date | May 18, 2023 |
| Book Page | 16444/338 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 607 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0149100022 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 14910/22 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 607 WINTERSPICE DR, FREDERICK, MD 21703-4409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0142510497 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 14251/497 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 306 Months |
| Due | May 1, 2046 |
The 2025 property tax bill for 607 Winterspice Dr was $6,871 with a homeowner's exemption, up 4.8% from the year before.
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 | $468,633 (+4.07%) | $505,300 (+12.21%) Land $120,400 Building $384,900 | |
| 2025 | $6,871.00 (+4.84%) Homeowner's exemption | $450,300 Land $120,400 Building $329,900 | $450,300 Land $120,400 Building $329,900 |
| 2024 | $6,554.00 (+7.27%) | ||
| 2023 | $6,110.00 Homeowner's exemption | $362,167 | $450,300 Land $120,400 Building $329,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 607 Winterspice Dr in Zone X, an area of minimal flood risk.
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.
The area around 607 Winterspice Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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