109 E Hammaker St, Thurmont, MD 21788 Property Records

Frederick County property record for 109 E Hammaker St, Thurmont, MD 21788 · Last verified April 2026

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bathrooms	3 Baths
Architecture Style	Townhouse
Year Built	Built 1987
Square Footage	1,874 sqft Living Area
Lot Size	5,301 sqft (0.122 acres)
Last Sale	$189,900 (2018)
Tax Bill	$3,222.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`15-347023`
Alternative APN	`347023`

Interior

Full Baths	3 Baths
Partial Baths	2 Partial Baths
Building Area	1,874 sqft Living Area
1st Floor	694 sqft 1st Floor
Basement Area	500 sqft Basement
Finished Basement	500 sqft Finished
Stories	2 Stories

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse Style
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	5,301 sqft (0.122 acres)
Deck Area	216 sqft Deck

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Sewage	Municipal Sewage

Location & Zoning

Account Number	347023
Street Address	109 E HAMMAKER ST
City	THURMONT
State	MD
Zip	21788-1769
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 4 SEC 5 BLK D BLDG 103- 5,301 SQ FT E. HAMMAKER ST. EAST END
Legal Subdivision	EAST END THURMONT BLDG 103
Legal Block	D
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Minor Civil Division	15, THURMONT
Census Blockgroup	3
Census Block	3003
Census Tract	753002

Owner

Source: Frederick County records · APN 15-347023

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	8925 BALTIMORE RD, FREDERICK, MD 21704-6742
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 30, 2018 · Amount on Record
Deed Sale	May 30, 2018 · Amount on Record
Prior Sale	Aug 31, 2015 · Amount on Record
Deed Book / Page	12437 / 185
Prior Transfer Date	Sep 03, 2009
Prior Transfer Doc	0075070022
Record Refreshed	Jun 08, 2026

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 30, 2018
Property Address	109 E HAMMAKER ST, THURMONT, MD 21788-1769
Document Number	0124370185
Book / Page	12437 / 0185
Map Reference	MB32 PL58
Instrument Date	May 24, 2018
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	UNITED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$474.75
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	FREDERICK, MD 21701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E HAMMAKER ST, THURMONT, MD 21788-1769

Mortgage

Document Number	0012437193
Date	May 30, 2018
Instrument	12437/193

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$228,033 (+20.72%)	$247,600 (+31.07%) Land $55,000 Building $192,600
2024	$3,222.00 (+10.84%)
2023	$2,907.00	$188,900 Land $50,000 Building $138,900	$188,900 Land $50,000 Building $138,900

Flood & Wildfire

109 E Hammaker St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 41st in Maryland
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.