15523 Smith Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 15523 Smith Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,530 sqft · built 1910
Lot Size	1 acre (43,560 sqft)
Owner	Company Name on File
Last Sale	$150,000 (Apr 2015)
Tax Bill	$2,622 (2025)
Deeds & Mortgages	Feb 2023 Transfer
Flood Zone	Zone AE (high risk)
APN	`15-344105`

Property Details

APN / Parcel Number

Primary APN	`15-344105`
Alternative APN	`344105`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,530 sqft Living Area
1st Floor Area	870 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Other
Lot Area	43,560 sqft
Porch	Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	344105
Street Address	15523 SMITH RD
City	THURMONT
State	MD
Zip	21788-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	1.00 ACRES E/S SMITH RD. NR. R. 15
Legal Subdivision	KLINES ADD/ZENTZ & ZENTZS AD
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	1
Census Block	1023
Census Tract	767500

Owner

15523 Smith Rd is owned by a company that acquired it in January 2023.

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

Owner of Record	Company Name on File
Mailing Address	15502 E LOHR RD, THURMONT, MD 21788
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2015 · Amount on File
Deed Sale	Apr 9, 2015 · Amount on File
Prior Sale	Mar 25, 1996 · Amount on File
Deed Book / Page	10475 / 71
Last Transfer Date	Jan 31, 2023
Transfer Doc	0163230203
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Feb 7, 2023
Property Address	15523 SMITH RD, THURMONT, MD 21788-1140
Document Number	0163230203
Book / Page	16323 / 203
Map Reference	MB 92 PG 68
Instrument Date	Jan 31, 2023
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	15602 LOHR RD, THURMONT, MD 21788-1116

Tax Assessment & Valuation

The 2025 property tax bill for 15523 Smith Rd was $2,622, up 9% from the year before.

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		$218,500 (+7.9%) Land $85,000 Building $133,500	$218,500 (-) Land $85,000 Building $133,500
2025	$2,622.00 (+8.98%)	$202,500	$218,500 Land $85,000 Building $133,500
2024	$2,406.00 (+12.12%)
2023	$2,146.00	$170,500 Land $85,000 Building $85,500	$170,500 Land $85,000 Building $85,500

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

Flood

FEMA maps place 15523 Smith Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force

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 15523 Smith 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20