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112 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 112 Summit Ave, Thurmont, MD 21788

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,960 sqft · built 2024
Lot Size0.16 acres (6,949 sqft)
OwnerIndividual Name on File
Last Sale$472,840 (Jan 2024)
Tax Bill$5,941 (2024)
Deeds & MortgagesJan 2024 Sale & Mortgage
Sep 2023 Sale
Flood ZoneZone X (minimal risk)
APN15-604847

Property Details

APN / Parcel Number

Primary APN15-604847
Alternative APN
  • 604847

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,960 sqft Living Area
Gross Area3,360 sqft
1st Floor Area1,180 sqft
Basement Area600 sqft
Finished Basement600 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area6,949 sqft (0.16 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal

Location & Zoning

Account Number604847
Street Address112 SUMMIT AVE
CityTHURMONT
StateMD
Zip21788-1869
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 4 6,949 SQ FT HAMMAKER HILLS
Legal Lot Number4
JurisdictionFREDERICK MD
Township / Civil Division15, THURMONT
Census Block Group2
Census Block2005
Census Tract753001

Owner

112 Summit Ave is owned and occupied by an individual who bought it in January 2024.

Source: Frederick County records, as of May 21, 2026

Owner of RecordIndividual Name on File
Mailing Address112 SUMMIT AVE, THURMONT, MD 21788-1869
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

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

Deeds, Mortgages & Sale History

DateDocument
Jan 4, 2024Deed, Transfer · VA Mortgage
DRAPER & KRAMER MORTGAGE CORP
Sep 19, 2023Deed, Transfer
KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 4, 2024 · Amount on File
Deed SaleJan 4, 2024 · Amount on File
Deed Document Number2024
Deed Book / Page16723 / 97
Record UpdatedSep 20, 2026

January 2024: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJan 4, 2024
Property Address112 SUMMIT AVE, THURMONT, MD 21788-1869
Document Number0167230097
Book / Page16723 / 97
Map ReferenceMB 108 PL 10
Instrument DateDec 21, 2023
Transaction TypeTransfer
Record UpdatedJan 18, 2024
Title CompanyKEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,364.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address112 SUMMIT AVE, THURMONT, MD 21788-1869

Mortgage

Document Number0016723105
DateJan 4, 2024
Instrument16723/105
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2054

September 2023: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateSep 19, 2023
Property Address112 SUMMIT AVE, THURMONT, MD 21788-1869
Document Number0166030439
Book / Page16603 / 439
Map ReferenceMB 108 PL 10
Instrument DateSep 14, 2023
Transaction TypeTransfer
Record UpdatedOct 2, 2023
Title CompanyKEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

AmountAmount on Record
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 4, 2025

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
2025$414,300$439,300 Land $101,900 Building $337,400
2024$5,941.00 (+607.26%)
2023$840.00$56,300 Land $56,300$56,300 Land $56,300

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

Flood

FEMA maps place 112 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 112 Summit Ave is low, with a 0.01% annual chance of 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 331 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

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