Frederick County property record for 16125 Kelbaugh Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,016 sqft · built 2008 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,458 (2024) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-187044 |
| Primary APN | 05-187044 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 2,692 sqft |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 69,696 sqft (1.6 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Deck Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 187044 |
|---|---|
| Street Address | 16125 KELBAUGH RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 SECTION 1 1.60 ACRES PAP KREITZ ESTATES |
| Legal Subdivision | ACRES PAP KREITZ ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 5, EMMITSBURG |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 767500 |
Source: Frederick County records, as of August 4, 2025
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 | 16125 KELBAUGH RD, THURMONT, MD 21788-1042 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2008 |
| Deed Sale | Apr 25, 2008 |
| Deed Document Number | 200881808 |
| Deed Book / Page | 6960 / 52 |
| Prior Transfer Date | Apr 18, 2008 |
| Prior Transfer Doc | 0069600056 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 16125 KELBAUGH RD, THURMONT, MD 21788-1042 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Title Company | HARVEST TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 16125 KELBAUGH RD, THURMONT, MD 21788-1042 |
| Document Number | 0141910384 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 14191/384 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2040 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $428,333 (+25.17%) | $471,400 (+37.76%) Land $81,800 Building $389,600 | |
| 2024 | $4,458.00 (+8.78%) | ||
| 2023 | $4,098.00 Homeowner's exemption | $342,200 Land $73,800 Building $268,400 | $342,200 Land $73,800 Building $268,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures