103 Hammaker St, Thurmont, MD 21788 Property Records

Frederick County property record for 103 Hammaker St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,367 sqft · built 1986
Lot Size	0.194 acres (8,455 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,500 (Dec 2004)
Tax Bill	$4,315 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-346582`

Property Details

APN / Parcel Number

Primary APN	`15-346582`
Alternative APN	`346582`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,367 sqft Living Area
Gross Area	1,689 sqft
1st Floor Area	967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,455 sqft (0.194 acres)
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	346582
Street Address	103 HAMMAKER ST
City	THURMONT
State	MD
Zip	21788-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 11 SECT 3 BLK B 8,455 SQ FT EAST END HAMMAKER ST.
Legal Subdivision	HAMMAKER ST
Legal Block	B
Legal Lot Number	11
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3005
Census Tract	753002

Owner

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	103 HAMMAKER ST, THURMONT, MD 21788-1768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2004 · Amount on Record
Deed Sale	Dec 30, 2004 · Amount on Record
Prior Sale	Nov 26, 1986 · Amount on Record
Deed Document Number	2004410536
Deed Book / Page	5046 / 563
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	103 HAMMAKER ST, THURMONT, MD 21788-1768
Document Number	0129580106
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 HAMMAKER ST THURMONT MD 217881768, THURMONT, MD 21788-1768

Mortgage

Document Number	0129580106
Date	May 8, 2019
Book Page	012958/000106

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Thurmont Town
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$313,900 (+44.26%) Land $55,000 Building $258,900	$313,900 (+44.26%) Land $55,000 Building $258,900
2025	$4,315.00 (+29.39%)
2023	$3,335.00	$217,600 Land $52,000 Building $165,600	$217,600 Land $52,000 Building $165,600

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

Flood

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	2 in force
Nearby Flood Claims	2 (2011–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2021 · rainfall accumulation

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 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
AT&T Fixed Wireless	100 / 20