14009 Graceham Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 14009 Graceham Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,190 sqft · built 1965
Lot Size	0.93 acres (40,489 sqft)
Owner	Individual Name on File
Last Sale	$287,000 (May 2021)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-360739`

Property Details

APN / Parcel Number

Primary APN	`15-360739`
Alternative APNs	`15323302` `360739`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,390 sqft
1st Floor Area	1,190 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,489 sqft (0.93 acres)
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	252 sqft
Shed	1 Shed
Shed Area	483 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	360739
Street Address	14009 GRACEHAM RD
City	THURMONT
State	MD
Zip	21788-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2A SECTION 2-40,489 SQ. FT. RICHARD W. DUBLE SUB.
Legal Subdivision	DUBLE SUB
Legal Lot Number	2A
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	4
Census Block	4012
Census Tract	753002

Owner

14009 Graceham Rd is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	14009 GRACEHAM RD, THURMONT, MD 21788-1343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 21, 2021	Deed, Transfer · Conventional Mortgage MIDDLETOWN VALLEY BANK
Oct 26, 2018	Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Oct 26, 2018 · Amount on File
Deed Book / Page	14914 / 364
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 21, 2021
Property Address	14009 GRACEHAM RD, THURMONT, MD 21788-1343
Document Number	0149140364
Book / Page	14914 / 364
Map Reference	MB 69 PL 53
Instrument Date	May 12, 2021
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
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 in Severalty
Address	14009 GRACEHAM RD, THURMONT, MD 21788-1343

Mortgage

Document Number	14914370
Date	May 21, 2021
Instrument	14914/370

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 26, 2018
Property Address	14009 GRACEHAM RD, THURMONT, MD 21788-1343
Document Number	0126860345
Book / Page	12686 / 0345
Map Reference	MB37 PG8
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14009 GRACEHAM RD, THURMONT, MD 21788-1343

Mortgage

Document Number	0012686353
Date	Oct 26, 2018
Instrument	12686/353

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 14009 Graceham Rd was $3,580.

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		$306,000 Land $82,300 Building $223,700	$306,000 Land $82,300 Building $223,700
2025	$3,580.00
2023	$2,850.00	$230,600 Land $82,300 Building $148,300	$230,600 Land $82,300 Building $148,300

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

Flood

FEMA maps place 14009 Graceham Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	2 (2018–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2026 · 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 14009 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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