11778 Thomas Spring Rd, Monrovia, MD 21770 Property Records

Frederick County property record for 11778 Thomas Spring Rd, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,738 sqft · built 1991
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Jan 2017)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-238328`

Property Details

APN / Parcel Number

Primary APN	`09-238328`
Alternative APNs	`9238328` `238328`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,738 sqft Living Area
Gross Area	4,298 sqft
1st Floor Area	2,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	152,460 sqft
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Deck Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	238328
Street Address	11778 THOMAS SPRING RD
City	MONROVIA
State	MD
Zip	21770-9004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 38 S 2 PL 2 3.509 ACRES THOMAS SPRING RD
Legal Subdivision	TRANQUILITY
Legal Lot Number	38
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	4
Census Block	4005
Census Tract	752102

Owner

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	11778 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage US MUTUAL HM LNS INC
Jan 30, 2017	Deed, Construction Loan · Construction Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2017 · Amount on Record
Deed Sale	Jan 30, 2017 · Amount on Record
Prior Sale	Jun 15, 2015 · Amount on Record
Deed Document Number	201711641-0213
Deed Book / Page	11641 / 213
Prior Transfer Date	May 14, 2015
Prior Transfer Doc	0105910388
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11778 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Document Number	0142650304
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	TITLE COMPANY LLC, TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11778 THOMAS SPRING RD MONROVIA MD 217709004, MONROVIA, MD 21770-9004

Mortgage

Document Number	0142650304
Date	Nov 13, 2020
Book Page	014265/000304

Lender

Name	US MUTUAL HM LNS INC
Address	HUNT VALLEY, MD 21030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2035

January 2017: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 30, 2017
Property Address	11778 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Document Number	0116410213
Book / Page	11641 / 0213
Map Reference	MB19 PL39
Instrument Date	Dec 30, 2016
Instrument	11641-0213
Transaction Type	Construction Loan
Record Updated	Aug 9, 2021
Title Company	ACER TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11778 THOMAS SPRING RD, MONROVIA, MD 21770-9004

Mortgage

Document Number	116410220
Date	Jan 30, 2017
Instrument	11641-0220

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$618,333 (+18.31%)	$650,800 (+17.6%) Land $250,000 Building $400,800
2025	$6,965.00 (+14.9%)
2023	$6,062.00 Homeowner's exemption	$522,633	$553,400 Land $197,500 Building $355,900

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

Flood

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

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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