104 Rouzer Ln, Thurmont, MD 21788 Property Records

Frederick County property record for 104 Rouzer Ln, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,732 sqft · built 1989
Lot Size	0.189 acres (8,240 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Nov 2023)
Tax Bill	$4,027 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-349816`

Property Details

APN / Parcel Number

Primary APN	`15-349816`
Alternative APN	`349816`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,732 sqft Living Area
1st Floor Area	864 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,240 sqft (0.189 acres)
Porch	Porch
Porch Area	32 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	349816
Street Address	104 ROUZER LN
City	THURMONT
State	MD
Zip	21788-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 3 PLAT 1 8240 SQ FT THURMONT WEST
Legal Subdivision	THURMONT WEST
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2073
Census Tract	752900

Owner

104 Rouzer Ln is owned and occupied by an individual who bought it in November 2023.

Source: Frederick County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	104 ROUZER LN, THURMONT, MD 21788-1600
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2023 · Amount on File
Deed Sale	Nov 16, 2023 · Amount on File
Prior Sale	Aug 28, 2006 · Amount on File
Deed Book / Page	16672 / 94
Record Updated	Sep 20, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2023
Property Address	104 ROUZER LN, THURMONT, MD 21788-1600
Document Number	0166720094
Book / Page	16672 / 94
Map Reference	MB 42 PG 35
Instrument Date	Nov 8, 2023
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	104 ROUZER LN, THURMONT, MD 21788-1600

Mortgage

Document Number	0016672103
Date	Nov 16, 2023
Instrument	16672/103

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 104 Rouzer Ln was $4,027.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$286,200 Land $52,000 Building $234,200	$286,200 Land $52,000 Building $234,200
2025	$4,027.00
2023	$3,303.00	$215,400 Land $52,000 Building $163,400	$215,400 Land $52,000 Building $163,400

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

Flood

FEMA maps place 104 Rouzer Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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

Wildfire risk around 104 Rouzer Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF THURMONT serves 6,200 people · EPA ID MD0100023
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2016–2018) 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20