113 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 113 Summit Ave, Thurmont, MD 21788

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.143 acres (6,231 sqft)
Owner	Individual Name on File
Last Sale	$434,282 (Oct 2023)
Tax Bill	$832 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-604860`

Property Details

APN / Parcel Number

Primary APN	`15-604860`
Alternative APN	`604860`

Exterior

Lot Area	6,231 sqft (0.143 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	604860
Street Address	113 SUMMIT AVE
City	THURMONT
State	MD
Zip	21788-1870
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 18 6,231 SQ FT HAMMAKER HILLS
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2005
Census Tract	753001

Owner

Source: Frederick County records · APN 15-604860

Assessment roll updated July 1, 2023 · Last verified November 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	113 SUMMIT AVE, THURMONT, MD 21788-1870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 31, 2023	Deed, Transfer · VA Mortgage NAVY FCU
Jun 26, 2023	Deed, Transfer KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Jun 26, 2023 · Amount on Record
Deed Document Number	0016652459
Deed Book / Page	16652 / 459
Record Updated	Jun 07, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	113 SUMMIT AVE, THURMONT, MD 21788-1870
Transaction Type	Mortgage
Record Updated	Jan 07, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 SUMMIT AVE, THURMONT, MD 21788-1870

Mortgage

Document Number	0176560438
Date	Dec 23, 2025
Book Page	17656/438

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 31, 2023
Property Address	113 SUMMIT AVE, THURMONT, MD 21788-1870
Document Number	0166520459
Book / Page	16652 / 459
Map Reference	MB 108 PL 10
Instrument Date	Oct 25, 2023
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.71
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	113 SUMMIT AVE, THURMONT, MD 21788-1870

Mortgage

Document Number	0016652468
Date	Oct 31, 2023
Instrument	16652/468

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 26, 2023
Property Address	113 SUMMIT AVE, THURMONT, MD 21788
Document Number	0164960063
Book / Page	16496 / 63
Map Reference	MB 108 PL 10
Instrument Date	Jun 05, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$3,945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 GAITHER RD STE 600, 600, ROCKVILLE, MD 20850-4018
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified November 2023

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$832.00	$55,800 Land $55,800	$55,800 Land $55,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 308 locations within half a mile of this property.

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