13555 Tower Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 13555 Tower Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,926 sqft · built 2021
Lot Size	31.8 acres (1,386,515 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Mar 2018)
Tax Bill	$8,755 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-275059`

Property Details

APN / Parcel Number

Primary APN	`10-275059`
Alternative APN	`275059`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,926 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	1,878 sqft
Attic	Attic
Attic Area	244 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Metal
Lot Area	1,386,515 sqft
Garage Area	1,290 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Deck Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	275059
Street Address	13555 TOWER RD
City	THURMONT
State	MD
Zip	21788-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	31.83 ACRES S/S WIGVILLE RD.
Legal Subdivision	MOUNTAINTOP
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1026
Census Tract	752801

Owner

13555 Tower Rd is owned and occupied by two individuals who bought it in March 2018.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13555 TOWER RD, THURMONT, MD 21788-1422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 26, 2019	Deed of Trust, Mortgage · ARM SANDY SPRING BANK
Mar 14, 2018	Guardian's Deed, Transfer · Commercial Mortgage FREDERICK COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2018 · Amount on File
Deed Sale	Mar 14, 2018 · Amount on File
Prior Sale	Jun 10, 1996 · Amount on File
Deed Book / Page	12317 / 374
Prior Transfer Date	Mar 1, 2018
Prior Transfer Doc	0123170374
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	13555 TOWER RD, THURMONT, MD 21788-1422
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	HOME FIRST TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151890454
Date	Aug 12, 2021
Book Page	15189/454

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	13555 TOWER RD, THURMONT, MD 21788-1422
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	HOME FIRST GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0129370252
Date	Apr 26, 2019
Book Page	12937/0252

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	9.87%

March 2018: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 14, 2018
Property Address	13555 TOWER RD, THURMONT, MD 21788-1422
Document Number	0123170374
Book / Page	12317 / 0374
Instrument Date	Mar 1, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1122 BRADLEY RD, PASADENA, MD 21122-2002

Mortgage

Document Number	0012317379
Date	Mar 14, 2018
Instrument	12317/379

Lender

Name	FREDERICK COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13555 Tower Rd was $8,755 with a homeowner's exemption.

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		$815,900 Land $84,700 Building $731,200	$815,900 Land $84,700 Building $731,200
2025	$8,755.00
2023	$5,901.00	$496,000 Land $74,600 Building $421,400	$496,000 Land $74,600 Building $421,400

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

Flood

FEMA maps place 13555 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

Wildfire risk around 13555 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 80% of the US · above 41% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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