Frederick County property record for 15862 Smith Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,232 sqft · built 1966 |
| Lot Size | 1.13 acres (49,658 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,000 (Jun 1986) |
| Tax Bill | $3,165 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 15-347554 |
| Primary APN | 15-347554 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,784 sqft |
| 1st Floor Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 49,658 sqft |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Breezeway |
| Porch Area | 324 sqft |
| Breezeway | Breezeway |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 347554 |
|---|---|
| Street Address | 15862 SMITH RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 1.144 ACRES COR. SMITH RD./KELBAUGH |
| Legal Subdivision | C & B PARTNERSHIP ADD/EWELL |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 752900 |
15862 Smith Rd is owned and occupied by two individuals who bought it in June 1986.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15862 SMITH RD, THURMONT, MD 21788-1114 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 1986 · Amount on File |
| Deed Sale | Jun 27, 1986 · Amount on File |
| Deed Book / Page | 1346 / 609 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 15862 SMITH RD, THURMONT, MD 21788-1114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0118830080 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 11883/0080 |
| Instrument | 11883-0080 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | 00000 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 15862 Smith Rd was $3,165 with a homeowner's exemption.
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 | $273,500 (+6.54%) Land $86,100 Building $187,400 | $273,500 (-) Land $86,100 Building $187,400 | |
| 2025 | $3,165.00 Homeowner's exemption | $256,700 | $273,500 Land $86,100 Building $187,400 |
| 2023 | $2,762.00 Homeowner's exemption | $223,100 Land $86,100 Building $137,000 | $223,100 Land $86,100 Building $137,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15862 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 15862 Smith Rd is low, with a 0.03% 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 | 0.03% 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 |
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