Frederick County property record for 26 Terben Ct, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,544 sqft · built 1992 |
| Lot Size | 0.247 acres (10,758 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Apr 2019) |
| Tax Bill | $4,429 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-351519 |
| Primary APN | 15-351519 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 2,808 sqft |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,758 sqft (0.247 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 351519 |
|---|---|
| Street Address | 26 TERBEN CT |
| City | THURMONT |
| State | MD |
| Zip | 21788-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 13 SEC 1 PLAT 2 10,758 SQ. FT. COLONIAL HEIGHTS |
| Legal Subdivision | COLONIAL HEIGHTS |
| Legal Lot Number | 13 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 753002 |
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 | 26 TERBEN CT, THURMONT, MD 21788-1339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Apr 19, 2019 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2019 · Amount on Record |
| Deed Sale | Apr 19, 2019 · Amount on Record |
| Prior Sale | Nov 19, 2003 · Amount on Record |
| Deed Book / Page | 12927 / 110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 26 TERBEN CT, THURMONT, MD 21788-1339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | LAWYERS SIGNATURE SETMNTS LL |
| Name | Verified Name |
|---|---|
| Address | 26 TERBEN CT, THURMONT, MD 21788-1339 |
| Document Number | 0145040019 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 14504/19 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 19, 2019 |
| Property Address | 26 TERBEN CT, THURMONT, MD 21788-1339 |
| Document Number | 0129270110 |
| Book / Page | 12927 / 0110 |
| Map Reference | MB 45 FO 158 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LAWYERS SIGNATURE SETMNT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 26 TERBEN CT, THURMONT, MD 21788-1339 |
| Document Number | 129270116 |
|---|---|
| Date | Apr 19, 2019 |
| Instrument | 12927/0116 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $355,100 (+36.26%) Land $60,000 Building $295,100 | $355,100 (+36.26%) Land $60,000 Building $295,100 | |
| 2025 | $4,429.00 (+11.37%) | ||
| 2023 | $3,977.00 Homeowner's exemption | $260,600 Land $56,500 Building $204,100 | $260,600 Land $56,500 Building $204,100 |
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 | 6 in force |
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 | 0.01% 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 117 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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