11786 Thomas Spring Rd, Monrovia, MD 21770 Property Records

Frederick County property record for 11786 Thomas Spring Rd, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,152 sqft · built 1987
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2022)
Tax Bill	$5,982 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-238417`

Property Details

APN / Parcel Number

Primary APN	`09-238417`
Alternative APNs	`9238417` `238417`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,152 sqft Living Area
Gross Area	2,768 sqft
1st Floor Area	1,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	45,738 sqft
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	238417
Street Address	11786 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	LOT 42 SECT 2 PLAT 3 1.052 ACRES TRANQUILITY
Legal Subdivision	TRANQUILITY
Legal Lot Number	42
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	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 31, 2022	Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Jun 7, 2013 · Amount on Record
Deed Book / Page	15826 / 260
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151480165
Date	Aug 3, 2021
Book Page	15148/165

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004

Mortgage

Document Number	0155460385
Date	Dec 8, 2021
Book Page	15546/385

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Nov 3, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 31, 2022
Property Address	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004
Document Number	0158260260
Book / Page	15826 / 260
Map Reference	MB 19 PL 38
Instrument Date	Mar 28, 2022
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,875.00
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 by the Entirety
Address	11786 THOMAS SPRING RD, MONROVIA, MD 21770-9004

Mortgage

Document Number	0015826267
Date	Mar 31, 2022
Instrument	15826/267

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$512,967 (+21.25%)	$542,400 (+19.45%) Land $225,500 Building $316,900
2025	$5,982.00 (+17.16%)
2023	$5,106.00	$423,067	$454,100 Land $175,400 Building $278,700

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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