Frederick County property record for 202 Rouzer Ln, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,206 sqft · built 1998 |
| Lot Size | 22 acres (958,320 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $549,900 (May 2019) |
| Tax Bill | $7,189 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-329491 |
| Primary APN | 15-329491 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,206 sqft Living Area |
| Gross Area | 3,711 sqft |
| 1st Floor Area | 2,206 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 958,320 sqft |
| Garage Type | Attached |
| Garage Area | 505 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 387 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 329491 |
|---|---|
| Street Address | 202 ROUZER LN |
| City | THURMONT |
| State | MD |
| Zip | 21788-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | 22 AC S/S RT. 81 AT RT. 15 |
| Legal Subdivision | MILLERS ADD PETERS |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 752900 |
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 | 202 ROUZER LN, THURMONT, MD 21788-1615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| May 28, 2019 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on Record |
| Deed Sale | May 28, 2019 · Amount on Record |
| Prior Sale | Jun 19, 1997 · Amount on Record |
| Deed Book / Page | 12989 / 191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 202 ROUZER LN, THURMONT, MD 21788-1615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0153950396 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 15395/396 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 171 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 202 ROUZER LN, THURMONT, MD 21788-1615 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONAL TITLE CENTER INC |
| Name | Verified Name |
|---|
| Document Number | 0132730398 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 13273/0398 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 28, 2019 |
| Property Address | 202 ROUZER LN, THURMONT, MD 21788-1615 |
| Document Number | 0129890191 |
| Book / Page | 12989 / 0191 |
| Instrument Date | May 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | UNITED TITLE SERVICE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,749.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 202 ROUZER LN, THURMONT, MD 21788-1615 |
| Document Number | 129890198 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 12989/0198 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
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 | $655,700 (+26.22%) Land $163,000 Building $492,700 | $655,700 (+26.22%) Land $163,000 Building $492,700 | |
| 2025 | $7,189.00 (+15.28%) | ||
| 2023 | $6,236.00 Homeowner's exemption | $519,500 Land $163,000 Building $356,500 | $519,500 Land $163,000 Building $356,500 |
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 | 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.
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 | 0.02% 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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