15845 Smith Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 15845 Smith Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,064 sqft · built 1958
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,093 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-320265`

Property Details

APN / Parcel Number

Primary APN	`15-320265`
Alternative APN	`320265`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,064 sqft Living Area
Gross Area	2,988 sqft
1st Floor Area	2,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	416 sqft
Breezeway	Breezeway
Shed	1 Shed
Shed Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	320265
Street Address	15845 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 .52 AC N/S SMITH RD. NR RT. 15
Legal Lot Number	52
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	1
Census Block	1024
Census Tract	767500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 RESEARCH PKWY, 303, MERIDEN, CT 06450-8342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2024
Deed Sale	Dec 18, 2024
Prior Sale	May 30, 2023 · Amount on Record
Deed Book / Page	17155 / 88
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0171550088
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 30, 2023
Property Address	15845 SMITH RD, THURMONT, MD 21788-1114
Document Number	0164580084
Book / Page	16458 / 84
Instrument Date	May 24, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
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	15845 SMITH RD, THURMONT, MD 21788-1114

Mortgage

Document Number	0001645889
Date	May 30, 2023
Instrument	16458/89

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

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		$318,500 (+11.92%) Land $68,900 Building $249,600	$318,500 (-) Land $68,900 Building $249,600
2025	$3,093.00 (+6.11%)	$284,567 (+31.32%)	$318,500 (+46.98%) Land $68,900 Building $249,600
2024	$2,915.00 (+8.49%)
2023	$2,687.00	$216,700 Land $68,900 Building $147,800	$216,700 Land $68,900 Building $147,800

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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