12931 Tower Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 12931 Tower Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 1986
Lot Size	6.31 acres (274,864 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Mar 2023)
Tax Bill	$4,069 (2025)
Deeds & Mortgages	Mar 2023 Sale Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-178189`

Property Details

APN / Parcel Number

Primary APN	`06-178189`
Alternative APNs	`6178189` `178189`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	274,864 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	416 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	178189
Street Address	12931 TOWER RD
City	THURMONT
State	MD
Zip	21788-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LT 8B SECT B 6.310 A FOXVILLE TOWER RD LEISURE MOUNTAIN
Legal Subdivision	LEISURE MOUNTAIN
Legal Block	6
Legal Lot Number	8B
Jurisdiction	FREDERICK MD
Township / Civil Division	6, CATOCTIN
Census Block Group	1
Census Block	1033
Census Tract	752801

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	Company Name on Record
Mailing Address	12806 MINK FARM RD, THURMONT, MD 21788-1401
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed, Transfer ASSURE TITLE, ASSURANCE TITLE LLC
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HM MTG
Sep 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	Jun 3, 1996
Deed Book / Page	16373 / 120
Transfer Doc	0000002947
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2023
Property Address	12931 TOWER RD, THURMONT, MD 21788-1439
Document Number	0163730120
Book / Page	16373 / 120
Map Reference	MB 9 PG 3
Instrument Date	Mar 23, 2023
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12806 MINK FARM RD, THURMONT, MD 21788-1401

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12931 TOWER RD, THURMONT, MD 21788-1439
Document Number	0143940100
Instrument Date	Dec 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12931 TOWER RD THURMONT MD 217881439, THURMONT, MD 21788-1439

Mortgage

Document Number	0143940100
Date	Dec 23, 2020
Book Page	014394/000100

Lender

Name	FIRST HM MTG
Type	Mortgage Company
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 22, 2035

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 9, 2020
Property Address	12931 TOWER RD, THURMONT, MD 21788-1439
Document Number	0140520102
Book / Page	014052 / 000102
Instrument Date	Aug 8, 2020
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12931 TOWER RD THURMONT MD 217881439, THURMONT, MD 21788-1439

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		$341,100 (+6.29%) Land $113,300 Building $227,800	$341,100 (-) Land $113,300 Building $227,800
2025	$4,069.00 (+7.39%)	$320,900 (+14.4%)	$341,100 (+21.6%) Land $113,300 Building $227,800
2024	$3,789.00 (+10.31%)
2023	$3,435.00	$280,500 Land $98,800 Building $181,700	$280,500 Land $98,800 Building $181,700

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	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

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

Wildfire Risk	Low lower than 62% of the US · above 77% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 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

May also be available: EarthLink Business, MN FWA Buyer.

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