2069 Thurston Rd, Frederick, MD 21704 Property Records

Frederick County property record for 2069 Thurston Rd, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,964 sqft · built 1995
Lot Size	5.38 acres (234,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,280,000 (Oct 2023)
Tax Bill	$13,671 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-218818`

Property Details

APN / Parcel Number

Primary APN	`07-218818`
Alternative APNs	`7218818` `218818`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,664 sqft Living Area
Gross Area	6,459 sqft
1st Floor Area	2,245 sqft
Basement Area	1,700 sqft
Finished Basement	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	234,788 sqft
Garage Type	Attached
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	540 sqft
Deck Area	160 sqft
Patio Area	382 sqft
Shed	1 Shed
Shed Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	218818
Street Address	2069 THURSTON RD
City	FREDERICK
State	MD
Zip	21704-8160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 2 5.399 ACRES SUGARLOAF GLEN
Legal Subdivision	SUGARLOAF GLEN
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2004
Census Tract	752201

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	2069 THURSTON RD, FREDERICK, MD 21704-8160
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jan 20, 2017	Deed of Trust, Mortgage · ARM PROSPECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Jul 15, 2005 · Amount on Record
Deed Book / Page	16641 / 293
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 19, 2023
Property Address	2069 THURSTON RD, FREDERICK, MD 21704-8160
Document Number	0166410293
Book / Page	16641 / 293
Map Reference	MB 55 PG 130
Instrument Date	Oct 11, 2023
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2069 THURSTON RD, FREDERICK, MD 21704-8160

Mortgage

Document Number	0016641300
Date	Oct 19, 2023
Instrument	16641/300

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2069 THURSTON RD, FREDERICK, MD 21704-8160
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	LAKESIDE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116280322
Date	Jan 20, 2017
Book Page	11628/0322
Instrument	11628-0322

Lender

Name	PROSPECT MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

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

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
2026		$1,186,933 (+22.1%)	$1,267,200 (+23.46%) Land $253,300 Building $1,013,900
2025	$13,671.00 (+20.68%)
2023	$11,328.00 Homeowner's exemption	$972,100	$1,026,400 Land $257,800 Building $768,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1996 · Severe Storms And Flooding

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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