Frederick County property record for 111 E Main St, Thurmont, MD 21788
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 ba · 1,972 sqft · built 1915 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Apr 1999) |
| Tax Bill | $3,043 (2023) |
| Deeds & Mortgages | Mar 2019 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-342633 |
| Primary APN | 15-342633 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,972 sqft Total Area |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 160 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 322 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 342633 |
|---|---|
| Street Address | 111 E MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-2009 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | TB |
| Legal Description | LT 60 X 160 111 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 110 |
| Legal Lot Number | 111 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 753002 |
Source: Frederick County records, as of September 25, 2023
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 | 111 E MAIN ST, THURMONT, MD 21788-2009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2019 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 1999 · Amount on Record |
| Deed Sale | Apr 12, 1999 · Amount on Record |
| Prior Sale | Jul 12, 1994 · Amount on Record |
| Deed Document Number | 992044 |
| Deed Book / Page | 2565 / 862 |
| Last Transfer Date | Apr 13, 1999 |
| Transfer Doc | 0025650862 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 111 E MAIN ST, THURMONT, MD 21788-2009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0128930453 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 12893/0453 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 111 E MAIN ST, THURMONT, MD 21788-2009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC |
| Name | Verified Name |
|---|---|
| Address | 111 E MAIN ST, THURMONT, MD 21788-2009 |
| Document Number | 0158710339 |
|---|---|
| Date | Apr 22, 2022 |
| Book Page | 15871/339 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,043.00 Homeowner's exemption | $217,500 Land $56,000 Building $161,500 | $217,500 Land $56,000 Building $161,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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