11 Windward Ct, Thurmont, MD 21788 Property Records

Frederick County property record for 11 Windward Ct, Thurmont, MD 21788

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,376 sqft · built 1990
Lot Size	0.102 acres (4,444 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Aug 2015)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-351063`

Property Details

APN / Parcel Number

Primary APN	`15-351063`
Alternative APN	`351063`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,376 sqft Living Area
1st Floor Area	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Roof Material	Composition Shingle
Lot Area	4,444 sqft (0.102 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	351063
Street Address	11 WINDWARD CT
City	THURMONT
State	MD
Zip	21788-1666
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 1 BLK. B 4444 SQ. FT. CATOCTIN MEADOWS
Legal Subdivision	CATOCTIN MEADOWS
Legal Block	B
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2076
Census Tract	752900

Owner

Source: Frederick County records, as of October 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	11 WINDWARD CT, THURMONT, MD 21788-1666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2015 · Amount on File
Deed Sale	Aug 10, 2015 · Amount on File
Prior Sale	May 13, 2003 · Amount on File
Deed Book / Page	10696 / 89
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11 WINDWARD CT, THURMONT, MD 21788-1666
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142250197
Date	Nov 2, 2020
Book Page	14225/197

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

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		$235,100 (+27.56%) Land $50,000 Building $185,100	$235,100 (+27.56%) Land $50,000 Building $185,100
2025	$3,152.00 (+11.06%)
2023	$2,838.00 Homeowner's exemption	$184,300 Land $50,000 Building $134,300	$184,300 Land $50,000 Building $134,300

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · 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

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 210 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