Frederick County property record for 12710 Tower Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,964 sqft · built 1974 |
| Lot Size | 36 acres (1,568,160 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $68,000 (Feb 1986) |
| Tax Bill | $4,158 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-185150 |
| Primary APN | 06-185150 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,964 sqft Living Area |
| Gross Area | 2,092 sqft |
| 1st Floor Area | 1,516 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,568,160 sqft |
| Garage Area | 884 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 320 sqft |
| Deck Area | 32 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 185150 |
|---|---|
| Street Address | 12710 TOWER RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | 36 AC E&W/S FOXVILLE, TOWER RD AT MINK FARM RD. |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 6, CATOCTIN |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 752801 |
12710 Tower Rd is owned and occupied by two individuals who bought it in February 1986.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12710 TOWER RD, THURMONT, MD 21788-1443 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 1986 · Amount on File |
| Deed Sale | Feb 6, 1986 · Amount on File |
| Deed Book / Page | 1322 / 507 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12710 TOWER RD, THURMONT, MD 21788-1443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0131530214 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 13153/0214 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MYERSVILLE, MD 21773 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 12710 Tower Rd was $4,158 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $394,900 Land $172,700 Building $222,200 | $394,900 Land $172,700 Building $222,200 | |
| 2025 | $4,158.00 | ||
| 2023 | $2,996.00 Homeowner's exemption | $305,300 Land $158,200 Building $147,100 | $305,300 Land $158,200 Building $147,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12710 Tower Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.
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 | 3 in force |
| Nearby Flood Claims | 4 (1996–2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 risk around 12710 Tower Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 71% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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