Frederick County property record for 13820 Graceham Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,104 sqft · built 1999 |
| Lot Size | 2.3 acres (100,188 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,925 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-350202 |
| Primary APN | 15-350202 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 100,188 sqft |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 115 sqft |
| Deck Area | 336 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 350202 |
|---|---|
| Street Address | 13820 GRACEHAM RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-2259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 7 SECT 1 2.302 ACRES GRACEHAM SOUTH |
| Legal Subdivision | GRACEHAM SOUTH |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 753001 |
13820 Graceham Rd is owned and occupied by two individuals who acquired it in May 2003.
Source: Frederick County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13820 GRACEHAM RD, THURMONT, MD 21788-2259 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2003 |
| Deed Sale | May 21, 2003 |
| Prior Sale | Dec 17, 1998 · Amount on File |
| Deed Document Number | 20033265 |
| Deed Book / Page | 3783 / 56 |
| Transfer Doc | 0000003265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 26, 2026 |
| Property Address | 13820 GRACEHAM RD, THURMONT, MD 21788-2259 |
| Document Number | 1802000103 |
| Book / Page | 18022 / 103 |
| Instrument Date | Aug 11, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13820 GRACEHAM RD, THURMONT, MD 21788-2259 |
| Document Number | 1802000103, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 18022/103 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 16, 2066 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 13820 Graceham Rd was $3,925.
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 | $335,200 Land $95,400 Building $239,800 | $335,200 Land $95,400 Building $239,800 | |
| 2025 | $3,925.00 | ||
| 2023 | $3,158.00 | $256,900 Land $95,400 Building $161,500 | $256,900 Land $95,400 Building $161,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13820 Graceham Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 | 1 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2009 · other causes |
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 13820 Graceham Rd is low, with a 0.01% 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 | 0.01% 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 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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