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111 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 111 Summit Ave, Thurmont, MD 21788

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 3,220 sqft · built 2023
Lot Size0.143 acres (6,231 sqft)
Owner2 Individual Names on Record
Last Sale$515,000 (Feb 2026)
Tax Bill$6,664 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
May 2023 Sale
Flood ZoneZone X (minimal risk)
APN15-604859

Property Details

APN / Parcel Number

Primary APN15-604859
Alternative APN
  • 604859

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,220 sqft Living Area
Gross Area3,660 sqft
1st Floor Area1,360 sqft
Basement Area500 sqft
Finished Basement500 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area6,231 sqft (0.143 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area20 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal

Location & Zoning

Account Number604859
Street Address111 SUMMIT AVE
CityTHURMONT
StateMD
Zip21788-1870
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 17 6,231 SQ FT HAMMAKER HILLS
Legal Lot Number17
JurisdictionFREDERICK MD
Township / Civil Division15, THURMONT
Census Block Group2
Census Block2005
Census Tract753001

Owner

Source: Frederick County records, as of August 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 Record2 Individual Names on Record
Mailing Address111 SUMMIT AVE, THURMONT, MD 21788-1870
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2023Deed, Transfer · VA Mortgage
DRAPER & KRAMER MORTGAGE CORP
May 30, 2023Deed, Transfer
KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 10, 2026 · Amount on Record
Deed SaleFeb 10, 2026 · Amount on Record
Deed Book / Page17717 / 192
Record UpdatedSep 20, 2026

September 2023: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateSep 20, 2023
Property Address111 SUMMIT AVE, THURMONT, MD 21788-1870
Document Number0166060462
Book / Page16606 / 462
Map ReferenceMB 108 PL 10
Instrument DateSep 19, 2023
Transaction TypeTransfer
Record UpdatedOct 5, 2023
Title CompanyKEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,176.24
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address111 SUMMIT AVE, THURMONT, MD 21788-1870

Mortgage

Document Number0016606470
DateSep 20, 2023
Instrument16606/470
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2053

May 2023: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateMay 30, 2023
Property Address111 SUMMIT AVE, THURMONT, MD 21788-1870
Document Number0164560258
Book / Page16456 / 258
Map ReferenceMB 108 PL 10
Instrument DateMay 1, 2023
Transaction TypeTransfer
Record UpdatedSep 29, 2023
Title CompanyKEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

AmountAmount Recorded
Tax$1,315.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2099 GAITHER RD STE 600, 600, ROCKVILLE, MD 20850-4018
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityThurmont Town
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$464,100 (+5.85%) Land $101,200 Building $362,900$464,100 (-) Land $101,200 Building $362,900
2025$6,664.00 (+5.88%)$438,433 (+685.72%)$464,100 (+731.72%) Land $101,200 Building $362,900
2024$6,294.00 (+656.49%)
2023$832.00$55,800 Land $55,800$55,800 Land $55,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimSep 1979 · 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

ProviderMax 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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