22 Sandy Spring Ln, Thurmont, MD 21788 Property Records

Frederick County property record for 22 Sandy Spring Ln, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,658 sqft · built 1988
Lot Size	0.3 acres (13,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Oct 1988)
Tax Bill	$4,282 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-348321`

Property Details

APN / Parcel Number

Primary APN	`15-348321`
Alternative APN	`348321`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,658 sqft Living Area
1st Floor Area	1,658 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,058 sqft (0.3 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	348321
Street Address	22 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 2-0.2997 ACRES MILLERS SUB.
Legal Subdivision	ACRES MILLERS SUB
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	4
Census Block	4004
Census Tract	753001

Owner

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	2 Individual Names on Record
Mailing Address	22 SANDY SPRING LN, THURMONT, MD 21788-1656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 1988 · Amount on Record
Deed Sale	Oct 18, 1988 · Amount on Record
Prior Sale	Apr 8, 1988 · Amount on Record
Deed Book / Page	1520 / 410
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	22 SANDY SPRING LN, THURMONT, MD 21788-1656
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SANDY SPRING LN, THURMONT, MD 21788-1656

Mortgage

Document Number	0153920234
Date	Oct 18, 2021
Book Page	15392/234

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$327,300 (+29.88%) Land $61,700 Building $265,600	$327,300 (+29.88%) Land $61,700 Building $265,600
2025	$4,282.00 (+11.25%)
2023	$3,849.00 Homeowner's exemption	$252,000 Land $58,100 Building $193,900	$252,000 Land $58,100 Building $193,900

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