Frederick County property record for 15832 Smith Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,912 sqft · built 1963 |
| Lot Size | 0.861 acres (37,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,550 (Nov 2009) |
| Tax Bill | $3,075 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 15-336277 |
| Primary APN | 15-336277 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,912 sqft Living Area |
| Gross Area | 2,224 sqft |
| 1st Floor Area | 1,612 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 37,500 sqft (0.861 acres) |
| Lot Dimensions | 300 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Breezeway |
|---|---|
| Porch Area | 216 sqft |
| Deck Area | 128 sqft |
| Breezeway | Breezeway |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 336277 |
|---|---|
| Street Address | 15832 SMITH RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 125 X 300 S/S SMITH RD. |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 752900 |
15832 Smith Rd is owned and occupied by an individual who bought it in November 2009.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15832 SMITH RD, THURMONT, MD 21788-1114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Personal Representative |
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 | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2009 · Amount on File |
| Deed Sale | Nov 5, 2009 · Amount on File |
| Deed Document Number | 20094795 |
| Deed Book / Page | 7577 / 195 |
| Prior Transfer Date | Oct 28, 2009 |
| Prior Transfer Doc | 0075770195 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 15832 SMITH RD, THURMONT, MD 21788-1114 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Title Company | FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 15832 SMITH RD, GRACEHAM, MD 21788-1114 |
| Document Number | 0167940104 |
|---|---|
| Date | Mar 14, 2024 |
| Book Page | 16794/104 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 15832 Smith Rd was $3,075 with a homeowner's exemption, up 6.1% from the year before.
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 | $291,400 (+9.52%) Land $80,100 Building $211,300 | $291,400 (-) Land $80,100 Building $211,300 | |
| 2025 | $3,075.00 (+6.11%) Homeowner's exemption | $266,067 | $291,400 Land $80,100 Building $211,300 |
| 2024 | $2,898.00 (+8.46%) | ||
| 2023 | $2,672.00 Homeowner's exemption | $215,400 Land $80,100 Building $135,300 | $215,400 Land $80,100 Building $135,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15832 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 | 1 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Nov 1985 · tidal / storm surge |
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 15832 Smith Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% 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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G (outdoors only) and 4G LTE
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