Frederick County property record for 610 Winterspice Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,364 sqft · built 1991 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,203 (Nov 2000) |
| Tax Bill | $6,781 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-170094 |
| Primary APN | 02-170094 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,364 sqft Living Area |
| Gross Area | 2,904 sqft |
| 1st Floor Area | 836 sqft |
| Basement Area | 760 sqft |
| Finished Basement | 760 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 | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Deck Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 170094 |
|---|---|
| Street Address | 610 WINTERSPICE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-4410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LT 4014 SEC 1 PLAT 1 0.1500 ACRES OVERLOOK |
| Legal Subdivision | OVERLOOK |
| Legal Lot Number | 4014 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 750505 |
610 Winterspice Dr is owned and occupied by an individual who bought it in November 2000.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 610 WINTERSPICE DR, FREDERICK, MD 21703-4410 |
| 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 |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 20, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2000 · Amount on File |
| Deed Sale | Nov 6, 2000 · Amount on File |
| Prior Sale | May 5, 1992 · Amount on File |
| Deed Document Number | 20007081 |
| Deed Book / Page | 2776 / 400 |
| Transfer Doc | 0000002755 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 610 WINTERSPICE DR, FREDERICK, MD 21703-4410 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | MADISON SETTLEMENTS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0148070398 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 14807/398 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 610 WINTERSPICE DR, FREDERICK, MD 21703-4410 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 610 WINTERSPICE DR, FREDERICK, MD 21703-4410 |
| Document Number | 0158660175 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 15866/175 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 478 Months |
| Due | Feb 24, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 610 Winterspice Dr was $6,781 with a homeowner's exemption.
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 | $473,833 | $511,500 Land $121,500 Building $390,000 | |
| 2025 | $6,781.00 | ||
| 2023 | $6,029.00 | $365,667 | $455,000 Land $121,500 Building $333,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 610 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 610 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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