11 E Moser Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 11 E Moser Rd, Thurmont, MD 21788

Property Summary

Property Type	Commercial
Details	1 ba · 1,392 sqft · built 1945
Lot Size	0.216 acres (9,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,900 (Sep 2019)
Tax Bill	$3,949 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`15-361999`

Property Details

APN / Parcel Number

Primary APN	`15-361999`
Alternative APN	`361999`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,392 sqft Gross Area
1st Floor Area	1,392 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,413 sqft (0.216 acres)
View / Lot	Commercial/Industrial
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	361999
Street Address	11 E MOSER RD
City	THURMONT
State	MD
Zip	21788-1808
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	VC
Legal Description	LOT 1 SECTION 1 9,413 SQ. FT. COZY VIEW
Legal Subdivision	COZY VIEW
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6008
Census Tract	753001

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	11 E MOSER RD, THURMONT, MD 21788-1808
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 18, 2019	Grant Deed, Transfer · FHA Mortgage NFM LNDG
Jun 8, 2017	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2019 · Amount on Record
Deed Sale	Sep 18, 2019 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Book / Page	13219 / 393
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11 E MOSER RD, THURMONT, MD 21788-1808
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 E MOSER RD, THURMONT, MD 21788-1808

Mortgage

Document Number	0149690059
Date	Jun 8, 2021
Book Page	14969/59

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 18, 2019
Property Address	11 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0132190393
Book / Page	013219 / 000393
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 E MOSER RD THURMONT MD 217881808, THURMONT, MD 21788-1808

Mortgage

Document Number	132190399
Date	Sep 18, 2019
Book Page	013219/000399

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 8, 2017
Property Address	11 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0118600198
Book / Page	11860 / 0198
Map Reference	MB74 PG11
Instrument Date	Jun 2, 2017
Instrument	11860-0198
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 E MOSER RD, THURMONT, MD 21788-1808

Mortgage

Document Number	118600204
Date	Jun 8, 2017
Instrument	11860-0204

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$278,900 (+30.02%) Land $56,000 Building $222,900	$278,900 (+30.02%) Land $56,000 Building $222,900
2025	$3,949.00 (+20.07%)
2023	$3,289.00	$214,500 Land $52,700 Building $161,800	$214,500 Land $52,700 Building $161,800

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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	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.

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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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