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1 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 1 E Main St, Thurmont, MD 21788 · Last verified August 2026

Property Summary

Property TypeStore with Apartments
Details11,703 sqft · built 1880
Lot Size0.2 acres (8,712 sqft)
Owner2 Company Names on File
Last Sale$850,000 (Jan 2022)
Tax Bill$8,370 (2025)
Deeds & MortgagesAug 2023 Mortgage
Jan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-318120

Property Details

APN / Parcel Number

Primary APN15-318120
Alternative APN
  • 318120

Interior

Stories2 Stories
Building Area11,703 sqft Gross Area
1st Floor Area7,802 sqft
Basement Area3,901 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Exterior MaterialBrick Veneer
Construction TypeBrick
Fire ResistanceWood or Wood & Steel Frame
Roof TypeGable
Roof MaterialMetal
Lot Area8,712 sqft (0.2 acres)
View / LotCommercial/Industrial
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemHot Water
SewerMunicipal

Location & Zoning

Account Number318120
Street Address1 E MAIN ST
CityTHURMONT
StateMD
Zip21788-2034
Property CategoryCommercial
Property TypeCommercial > Retail > Store with Apartments
Legal DescriptionLT .20 AC MAIN & CHURCH STS. THURMONT
Legal SubdivisionTHURMONT
Legal Block10
Legal Lot Number20
JurisdictionFREDERICK MD
Township / Civil Division15, THURMONT
Census Block Group3
Census Block3015
Census Tract753002

Owner

Source: Frederick County records · APN 15-318120

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address1035 WAYNE AVE, J, CHAMBERSBURG, PA 17201-2942
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Aug 22, 2023Deed of Trust, Mortgage · Commercial Mortgage
ACNB BANK
Jan 03, 2022Deed, Transfer · Stand-Alone First Mortgage
ACNB BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 03, 2022 · Amount on Record
Deed SaleJan 03, 2022 · Amount on Record
Prior SaleApr 29, 1993 · Amount on Record
Deed Book / Page15624 / 224
Prior Transfer DateOct 10, 2017
Prior Transfer Doc0121430509
Record UpdatedSep 20, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address1 E MAIN ST, THURMONT, MD 21788-2034
Transaction TypeMortgage
Record UpdatedSep 27, 2023
Title CompanyPASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address22704 VENTURA BLVD 404, 404, WOODLAND HILLS, CA 91364-1333

Mortgage

Document Number0165700143
DateAug 22, 2023
Book Page16570/143
Lender
NameACNB BANK
TypeBank
AddressGETTYSBURG, PA 17325
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

January 2022: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJan 03, 2022
Property Address1 E MAIN ST, THURMONT, MD 21788-2034
Document Number0156240224
Book / Page15624 / 224
Map ReferenceLB 1883 FO 885
Instrument DateDec 22, 2021
Transaction TypeTransfer
Record UpdatedAug 16, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22740 VENTURA BLVD # 404, 404, WOODLAND HILLS, CA 91364-1333
InvestorPossibly a Property Investor

Mortgage

Document Number0156240231
DateJan 03, 2022
Instrument15624/0231
Lender
NameACNB BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityThurmont Town
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$524,700 (-) Land $87,000 Building $437,700$524,700 (-) Land $87,000 Building $437,700
2025$8,370.00 (-0.23%)$524,700 (-4.39%) Land $87,000 Building $437,700$524,700 (-4.39%) Land $87,000 Building $437,700
2024$8,389.00 (-3.47%)
2023$8,691.00$548,800 Land $95,400 Building $453,400$548,800 Land $95,400 Building $453,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217530023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2011–2021)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2021, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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