13824 Graceham Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 13824 Graceham Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,350 sqft · built 1987
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (May 2023)
Tax Bill	$3,047 (2023)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-326778`

Property Details

APN / Parcel Number

Primary APN	`15-326778`
Alternative APN	`326778`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,350 sqft Total Area
1st Floor Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Carport
Garage Area	350 sqft
Carport	Carport
Carport Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	326778
Street Address	13824 GRACEHAM RD
City	THURMONT
State	MD
Zip	21788-2259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 1 SEC 1 1.026 AC GRACEHAM ROAD GRACEHAM SOUTH
Legal Subdivision	GRACEHAM SOUTH SEC 1
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	5
Census Block	5000
Census Tract	753001

Owner

13824 Graceham Rd is owned and occupied by an individual who bought it in May 2023.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13824 GRACEHAM RD, THURMONT, MD 21788-2259
Occupancy	Owner Occupied
Owner Type	Individual

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
May 10, 2023	Deed, Transfer · Conventional Mortgage WOODSBORO BANK
Jan 23, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Aug 24, 2017	Quit Claim Deed, Transfer VILLAGE SETTLEMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on File
Deed Sale	May 10, 2023 · Amount on File
Prior Sale	Aug 24, 2017
Deed Document Number	0016434469
Deed Book / Page	16434 / 469
Record Updated	Jun 7, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 10, 2023
Property Address	13824 GRACEHAM RD, THURMONT, MD 21788-2259
Document Number	0164340469
Book / Page	16434 / 469
Map Reference	MB 16 PG 99
Instrument Date	May 5, 2023
Transaction Type	Transfer
Record Updated	May 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13824 GRACEHAM RD, THURMONT, MD 21788-2259

Mortgage

Document Number	0016434474
Date	May 10, 2023
Instrument	16434/474

Lender

Name	WOODSBORO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	13824 GRACEHAM RD, THURMONT, MD 21788-2259
Document Number	0128590001
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13824 GRACEHAM RD THURMONT MD 217882259, THURMONT, MD 21788-2259

Mortgage

Document Number	0128590001
Date	Mar 6, 2019
Book Page	012859/000001

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2049

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 24, 2017
Property Address	13824 GRACEHAM RD, THURMONT, MD 21788-2259
Document Number	0119940234
Book / Page	011994 / 000234
Instrument Date	Aug 17, 2017
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13824 GRACEHAM RD THURMONT MD 217882259, THURMONT, MD 21788-2259

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,047.00	$247,400 Land $85,100 Building $162,300	$247,400 Land $85,100 Building $162,300

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

Flood

FEMA maps place 13824 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

Wildfire risk around 13824 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.

Internet Providers

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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