Frederick County property record for 12941 Tower Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,101 sqft · built 1989 |
| Lot Size | 6.41 acres (279,220 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (May 2023) |
| Tax Bill | $5,369 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-178170 |
| Primary APN | 06-178170 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,101 sqft Living Area |
| 1st Floor Area | 1,506 sqft |
| Utility Area | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 279,220 sqft |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Deck Area | 612 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 178170 |
|---|---|
| Street Address | 12941 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 7B SECT B-6.410 A FOXVILLE TOWER RD LEISURE MOUNTAIN |
| Legal Subdivision | LEISURE MOUNTAIN |
| Legal Lot Number | 7B |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 6, CATOCTIN |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 752801 |
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 | 12941 TOWER RD, THURMONT, MD 21788-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC |
| May 1, 2023 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Prior Sale | Jun 8, 2009 · Amount on Record |
| Deed Book / Page | 16422 / 59 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 1, 2026 |
| Property Address | 12941 TOWER RD, THURMONT, MD 21788-1439 |
| Document Number | 0178420376 |
| Book / Page | 17842 / 376 |
| Instrument Date | Apr 24, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 12941 TOWER RD, THURMONT, MD 21788-1439 |
| Document Number | 1784000376, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 17842/376 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 1, 2023 |
| Property Address | 12941 TOWER RD, THURMONT, MD 21788-1439 |
| Document Number | 0164220059 |
| Book / Page | 16422 / 59 |
| Map Reference | MB 9 FO 3 |
| Instrument Date | Apr 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12941 TOWER RD, THURMONT, MD 21788-1439 |
| Document Number | 0001642267 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 16422/67 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | May 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.2% |
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 | $490,400 (+14.77%) Land $117,400 Building $373,000 | $490,400 (-) Land $117,400 Building $373,000 | |
| 2025 | $5,369.00 (+46.06%) | $427,300 (+41.91%) | $490,400 (+62.87%) Land $117,400 Building $373,000 |
| 2023 | $3,676.00 | $301,100 Land $102,400 Building $198,700 | $301,100 Land $102,400 Building $198,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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