17 Sandy Spring Ln, Thurmont, MD 21788 Property Records

Frederick County property record for 17 Sandy Spring Ln, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,602 sqft · built 1990
Lot Size	0.184 acres (8,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2009)
Tax Bill	$3,371 (2025)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-349964`

Property Details

APN / Parcel Number

Primary APN	`15-349964`
Alternative APN	`349964`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,602 sqft Living Area
1st Floor Area	832 sqft
Basement Area	330 sqft
Finished Basement	330 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,032 sqft (0.184 acres)
Deck Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	349964
Street Address	17 SANDY SPRING LN
City	THURMONT
State	MD
Zip	21788-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 0.1844 ACRES JESSICA KNOLLS
Legal Subdivision	JESSICA KNOLLS
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	4
Census Block	4002
Census Tract	753001

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	17 SANDY SPRING LN, THURMONT, MD 21788-1657
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	Sep 14, 2009 · Amount on Record
Deed Sale	Sep 14, 2009 · Amount on Record
Prior Sale	Sep 14, 2009 · Amount on Record
Deed Document Number	20093853
Deed Book / Page	7508 / 345
Transfer Doc	0044750317
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	17 SANDY SPRING LN, THURMONT, MD 21788-1657
Transaction Type	Mortgage
Record Updated	Dec 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SANDY SPRING LN, THURMONT, MD 21788-1657

Mortgage

Document Number	0166910069
Date	Dec 5, 2023
Book Page	16691/69

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	188 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Thurmont Town
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$255,600 (+8.23%) Land $55,000 Building $200,600	$255,600 (-) Land $55,000 Building $200,600
2025	$3,371.00 (+4.92%) Homeowner's exemption	$236,167 (+19.7%)	$255,600 (+29.55%) Land $55,000 Building $200,600
2024	$3,213.00 (+5.97%)
2023	$3,032.00 Homeowner's exemption	$197,300 Land $52,000 Building $145,300	$197,300 Land $52,000 Building $145,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF THURMONT serves 6,200 people · EPA ID MD0100023
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20