Hi Eric1GT. What is the current version loaded in your vehicle? The NA 1 19 maps were current to end of 1st quarter 2020 (as NA 1 18 maps were current up to 1st quarter 2019... and so on).
Yes, still 1 year old when you purchased, but at least not "2 years old".
When NA 1 20 is released, it will be current up to end of 1st quarter 2021.
This information is clearly spelled out on the Lincoln SYNC 3 map updates website, located here (where you can also check for the latest release): 
Lincoln - Sync3 Map Update
New map versions are usually released ~late June-early August. And yes, the update is free, if you download and install yourself. In the same manner as SYNC 3 update installations are free if you download and install yourself. (which you could have done yourself when you purchased your vehicle).
On a related note...If you have not checked for available SYNC 3 updates for your vehicle, you can do that here: 
https://help.lincoln.com/update-sync/
There may be some variation for SYNC 3.4 versus SYNC 3 vehicles, but the information is essentially the same.
Good luck.