Frederick County property record for 109 Summit Ave, Thurmont, MD 21788 · Last verified August 2026
| Property Type | Other > Exempt (Full or Partial) |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 2023 |
| Square Footage | 2,472 sqft Gross Area |
| Lot Size | 6,710 sqft (0.154 acres) |
| Garage | Attached, 400 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $454,158 (2023) |
| Tax Bill | $88.00 (2025) |
| Primary APN | 15-604858 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,472 sqft Gross Area |
| 1st Floor | 876 sqft 1st Floor |
| Basement Area | 500 sqft Basement |
| Finished Basement | 500 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,710 sqft (0.154 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Porch | Open Porch |
| Porch Area | 48 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Account Number | 604858 |
|---|---|
| Street Address | 109 SUMMIT AVE |
| City | THURMONT |
| State | MD |
| Zip | 21788-1870 |
| Property Usage | Other Property Usage |
| Type | Other > Exempt (Full or Partial) |
| Legal Description | LOT 16 6,710 SQ FT HAMMAKER HILLS |
| Legal Subdivision | HAMMAKER HILLS |
| Legal Lot Number | 16 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 15, THURMONT |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 753001 |
Source: Frederick County records · APN 15-604858
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Dec 01, 2023 | Deed, Transfer · Veterans Administration Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Aug 25, 2023 | Deed, Transfer KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 2023 · Amount on Record |
| Deed Sale | Dec 01, 2023 · Amount on Record |
| Deed Book / Page | 16688 / 1 |
| Last Transfer Date | Mar 22, 2024 |
| Transfer Doc | 0169250345 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| Document Number | 0177420365 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 17742/365 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 01, 2023 |
| Property Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| Document Number | 0166880001 |
| Book / Page | 16688 / 1 |
| Map Reference | MB 108 PL 10 |
| Instrument Date | Nov 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,270.79 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| Document Number | 0000166889 |
|---|---|
| Date | Dec 01, 2023 |
| Instrument | 16688/9 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 25, 2023 |
| Property Address | 109 SUMMIT AVE, THURMONT, MD 21788-1870 |
| 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 Recorded |
|---|---|
| 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 records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $394,200 (+6.39%) Land $101,700 Building $292,500 | $394,200 (-) Land $101,700 Building $292,500 | |
| 2025 | $88.00 (-5%) Homeowner's exemption | $370,533 (+559.31%) | $394,200 (+601.42%) Land $101,700 Building $292,500 |
| 2024 | $176.00 (-79%) | ||
| 2023 | $838.00 | $56,200 Land $56,200 | $56,200 Land $56,200 |
109 Summit Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
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 |
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 | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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