Frederick County property record for 101 Laurel Ave, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,246 sqft · built 1976 |
| Lot Size | 0.38 acres (16,552 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $280,000 (Oct 2019) |
| Tax Bill | $5,422 (2025) |
| Deeds & Mortgages | May 2022 Transfer Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-334231 |
| Primary APN | 15-334231 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,246 sqft Living Area |
| Gross Area | 2,730 sqft |
| 1st Floor Area | 1,746 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 16,552 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Deck Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 334231 |
|---|---|
| Street Address | 101 LAUREL AVE |
| City | THURMONT |
| State | MD |
| Zip | 21788-1612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 12 SEC 5 0.38 AC LAUREL AVE. CATOCTIN HEIGHTS |
| Legal Subdivision | CATOCTIN HEIGHTS |
| Legal Lot Number | 12 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 752900 |
101 Laurel Ave is owner-occupied and held in a trust since May 2022.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 101 LAUREL AVE, THURMONT, MD 21788-1612 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2022 | Intrafamily Transfer, Transfer |
| Oct 21, 2019 | Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2019 · Amount on File |
| Deed Sale | Oct 21, 2019 · Amount on File |
| Prior Sale | Aug 22, 2001 · Amount on File |
| Deed Book / Page | 13285 / 407 |
| Last Transfer Date | May 3, 2022 |
| Transfer Doc | 0159280085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 18, 2022 |
| Property Address | 101 LAUREL AVE, THURMONT, MD 21788-1612 |
| Document Number | 0159280085 |
| Book / Page | 15928 / 85 |
| Map Reference | MB 9 FO 127 |
| Instrument Date | May 3, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 400 CHAPEL CT APT 106, 106, WALKERSVILLE, MD 21793-8154 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 21, 2019 |
| Property Address | 101 LAUREL AVE, THURMONT, MD 21788-1612 |
| Document Number | 0132850407 |
| Book / Page | 013285 / 000407 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2019 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 101 LAUREL AVE THURMONT MD 217881612, THURMONT, MD 21788-1612 |
| Document Number | 132850413 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 013285/000413 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2049 |
The 2025 property tax bill for 101 Laurel Ave was $5,422, up 13.7% from the year before.
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 | $400,000 (+12.48%) Land $60,600 Building $339,400 | $400,000 (-) Land $60,600 Building $339,400 | |
| 2025 | $5,422.00 (+13.72%) | $355,633 | $400,000 Land $60,600 Building $339,400 |
| 2024 | $4,768.00 (+17.12%) | ||
| 2023 | $4,071.00 | $266,900 Land $60,600 Building $206,300 | $266,900 Land $60,600 Building $206,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Laurel Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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.
Wildfire risk around 101 Laurel Ave is low, with a 0.01% annual chance of 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.
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 210 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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