Frederick County property record for 102 Summit Ave, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,960 sqft · built 2024 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | Individual Name on File |
| Last Sale | $457,743 (Dec 2023) |
| Tax Bill | $5,854 (2024) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-604852 |
| Primary APN | 15-604852 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,960 sqft Living Area |
| Gross Area | 3,360 sqft |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,710 sqft (0.177 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 604852 |
|---|---|
| Street Address | 102 SUMMIT AVE |
| City | THURMONT |
| State | MD |
| Zip | 21788-1869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 7,710 SQ FT HAMMAKER HILLS |
| Legal Subdivision | POCKET PARK HAMMAKER HILLS |
| Legal Lot Number | 9 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 753001 |
102 Summit Ave is owned and occupied by an individual who bought it in December 2023.
Source: Frederick County records, as of April 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 102 SUMMIT AVE LOT 9 HAMMAKER HLS, THURMONT, MD 21788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Dec 19, 2023 | Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Aug 25, 2023 | Deed, Transfer KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2023 · Amount on File |
| Deed Sale | Dec 19, 2023 · Amount on File |
| Deed Document Number | 2023 |
| Deed Book / Page | 16706 / 262 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 19, 2023 |
| Property Address | 102 SUMMIT AVE, THURMONT, MD 21788-1869 |
| Document Number | 0167060262 |
| Book / Page | 16706 / 262 |
| Map Reference | MB 108 PL 10 |
| Instrument Date | Dec 15, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2023 |
| Title Company | KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,144.36 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 102 SUMMIT AVE, THURMONT, MD 21788-1869 |
| Document Number | 0016706271 |
|---|---|
| Date | Dec 19, 2023 |
| Instrument | 16706/271 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 25, 2023 |
| Property Address | 102 SUMMIT AVE, THURMONT, MD 21788-1869 |
| Document Number | 0165760106 |
| Book / Page | 16576 / 106 |
| Map Reference | MB 108 PL 10 |
| Instrument Date | Aug 15, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2099 GAITHER RD STE 600, 600, ROCKVILLE, MD 20850-4018 |
| Investor | Possibly a Property Investor |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $408,400 | $433,300 Land $102,700 Building $330,600 | |
| 2024 | $5,854.00 (+589.52%) | ||
| 2023 | $849.00 | $56,900 Land $56,900 | $56,900 Land $56,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 102 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · 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 102 Summit 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 | 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 308 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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