13410 Tower Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 13410 Tower Rd, Thurmont, MD 21788 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,520 sqft · built 2005
Lot Size	35.2 acres (1,537,232 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2004)
Tax Bill	$5,999 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-272823`

Property Details

APN / Parcel Number

Primary APN	`10-272823`
Alternative APN	`272823`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,520 sqft Living Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,537,232 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	288 sqft
Shed	1 Shed
Shed Area	2,700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	272823
Street Address	13410 TOWER RD
City	THURMONT
State	MD
Zip	21788-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2A REMAINDER 29.01 ACRES SCHINNERER SUB
Legal Subdivision	ACRES SCHINNERER SUB
Legal Lot Number	2A
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1025
Census Tract	752801

Owner

Source: Frederick County records · APN 10-272823

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	13410 TOWER RD, THURMONT, MD 21788-1411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 12, 2004 · Amount on Record
Deed Sale	Aug 12, 2004 · Amount on Record
Deed Document Number	200446508
Deed Book / Page	4787 / 1
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	13410 TOWER RD, THURMONT, MD 21788-1411
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124220263
Date	May 21, 2018
Book Page	12422/0263

Lender

Name	SUNTRUST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$611,700 (+12.78%) Land $148,500 Building $463,200	$611,700 (-) Land $148,500 Building $463,200
2025	$5,999.00 (+42.49%) Homeowner's exemption	$542,367 (+34.35%)	$611,700 (+51.52%) Land $148,500 Building $463,200
2023	$4,210.00 Homeowner's exemption	$403,700 Land $75,500 Building $328,200	$403,700 Land $75,500 Building $328,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217528011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Nearby Flood Claims	4 (1996–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2012, rainfall accumulation, Hurricane Sandy

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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.