Frederick County property record for 20 Sandy Spring Ln, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,160 sqft · built 1988 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Jul 2004) |
| Tax Bill | $3,118 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-348348 |
| Primary APN | 15-348348 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,498 sqft (0.241 acres) |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 348348 |
|---|---|
| Street Address | 20 SANDY SPRING LN |
| City | THURMONT |
| State | MD |
| Zip | 21788-1656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 1-0.2410 ACRES MILLERS SUB. |
| Legal Subdivision | ACRES MILLERS SUB |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 753001 |
20 Sandy Spring Ln is owned and occupied by an individual who bought it in July 2004.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 SANDY SPRING LN, THURMONT, MD 21788-1656 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2004 · Amount on File |
| Deed Sale | Jul 16, 2004 · Amount on File |
| Prior Sale | Jan 8, 2004 · Amount on File |
| Deed Document Number | 200445630 |
| Deed Book / Page | 4734 / 354 |
| Transfer Doc | 0000001459 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 20 Sandy Spring Ln was $3,118 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $232,800 Land $59,800 Building $173,000 | $232,800 Land $59,800 Building $173,000 | |
| 2025 | $3,118.00 | ||
| 2023 | $2,807.00 Homeowner's exemption | $182,200 Land $56,300 Building $125,900 | $182,200 Land $56,300 Building $125,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Sandy Spring Ln in Zone X, an area of minimal flood risk.
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 risk around 20 Sandy Spring Ln is low, with a 0.01% 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 | 0.01% 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.
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 |
| 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.
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 |
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