Frederick County property record for 23 Mountain Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,010 sqft · built 2021 |
| Lot Size | 1.58 acres (69,260 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Jul 2020) |
| Tax Bill | $9,385 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-324236 |
| Primary APN | 15-324236 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,010 sqft Living Area |
| Gross Area | 4,760 sqft |
| 1st Floor Area | 1,980 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 69,260 sqft |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 588 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 324236 |
|---|---|
| Street Address | 23 MOUNTAIN RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PARCEL 1 1.593 ACRES |
| Legal Block | 19 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 752900 |
Source: Frederick County records, as of October 16, 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 File |
|---|---|
| Mailing Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 7, 2026 | Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Jul 16, 2020 | Deed, Construction Loan · Construction Mortgage MCLEAN MORTGAGE CORP |
| May 12, 2017 | Grant Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2020 · Amount on File |
| Deed Sale | Jul 16, 2020 · Amount on File |
| Prior Sale | May 12, 2017 · Amount on File |
| Deed Book / Page | 13900 / 296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 7, 2026 |
| Property Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Document Number | 1807000003 |
| Book / Page | 18076 / 3 |
| Instrument Date | Sep 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Document Number | 1807000003, |
|---|---|
| Date | Oct 7, 2026 |
| Book Page | 18076/3 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 26, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Document Number | 0151880416 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 15188/416 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 16, 2020 |
| Property Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Document Number | 0139000296 |
| Book / Page | 13900 / 296 |
| Map Reference | MB 67 PL 121 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 16, 2022 |
| Title Company | COMMONWEALTH LAND TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 110 STULL CT, THURMONT, MD 21788-3313 |
| Document Number | 0013900304 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 13900/304 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 1, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Aug 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 16.2% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 16.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 12, 2017 |
| Property Address | 23 MOUNTAIN RD, THURMONT, MD 21788-1821 |
| Document Number | 0118160295 |
| Book / Page | 011816 / 000295 |
| Instrument Date | May 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2017 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Tax | $22.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6902 DEBOLD RD SABILLASVILLE MD 217809300, SABILLASVILLE, MD 21780-9300 |
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 | $697,400 (+50.08%) Land $12,700 Building $684,700 | $697,400 (+50.08%) Land $12,700 Building $684,700 | |
| 2025 | $9,385.00 (+33.61%) | ||
| 2023 | $7,024.00 | $464,700 Land $12,700 Building $452,000 | $464,700 Land $12,700 Building $452,000 |
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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