16060 Kelbaugh Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 16060 Kelbaugh Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,729 sqft · built 2018
Lot Size	5.09 acres (221,720 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2017)
Tax Bill	$4,037 (2023)
Deeds & Mortgages	Nov 2019 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-187214`

Property Details

APN / Parcel Number

Primary APN	`05-187214`
Alternative APN	`187214`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,729 sqft Total Area

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	221,720 sqft (5.09 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	187214
Street Address	16060 KELBAUGH RD
City	THURMONT
State	MD
Zip	21788-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 PL 1 5.09 ACRES BAIL BOUND
Legal Subdivision	BALI BOUND SEC 1
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	5, EMMITSBURG
Census Block Group	3
Census Block	3005
Census Tract	766800

Owner

Source: Frederick County records, as of September 25, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 6, 2017	Deed, Transfer · Conventional Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Prior Sale	Feb 4, 2013 · Amount on Record
Deed Document Number	0012013148
Deed Book / Page	12013 / 148
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133350197
Date	Nov 13, 2019
Book Page	13335/0197

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124140494
Date	May 15, 2018
Book Page	12414/0494

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	20183

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039

Mortgage

Document Number	0141840430
Date	Oct 20, 2020
Book Page	14184/430

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2050

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 6, 2017
Property Address	16060 KELBAUGH RD, THURMONT, MD 21788-1039
Document Number	0120130148
Book / Page	12013 / 0148
Map Reference	MB88 PL168
Instrument Date	Aug 18, 2017
Instrument	12013-0148
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$3,726.00
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
Address	10606 KELBAUGH RD, THURMONT, MD 21788

Mortgage

Document Number	0120130153
Date	Sep 6, 2017
Instrument	12013-0153

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$4,037.00 Homeowner's exemption	$331,900 Land $84,200 Building $247,700	$331,900 Land $84,200 Building $247,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 66% of the US · above 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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