Frederick County property record for 117 E Main St, Thurmont, MD 21788
| Property Type | Commercial |
|---|---|
| Details | 1 ba · 1,469 sqft · built 1900 |
| Lot Size | 0.31 acres (13,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Feb 1999) |
| Tax Bill | $3,208 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 15-333936 |
| Primary APN | 15-333936 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,469 sqft Gross Area |
| 1st Floor Area | 1,469 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding |
| Construction Type | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,485 sqft (0.31 acres) |
| Lot Dimensions | 155 ft deep x 87 ft wide |
| View / Lot | Commercial/Industrial |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 333936 |
|---|---|
| Street Address | 117 MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | TB |
| Legal Description | LT 87 X 155 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 110 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 753002 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 117 E MAIN ST, THURMONT, MD 21788-2009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 1999 · Amount on Record |
| Deed Sale | Feb 3, 1999 · Amount on Record |
| Deed Document Number | 1999654 |
| Deed Book / Page | 2534 / 427 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 117 E MAIN ST, THURMONT, MD 21788-2009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0137430077 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 13743/77 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $253,000 (+35.08%) Land $65,700 Building $187,300 | $253,000 (+35.08%) Land $65,700 Building $187,300 | |
| 2025 | $3,208.00 (+11.27%) | ||
| 2023 | $2,883.00 Homeowner's exemption | $187,300 Land $88,000 Building $99,300 | $187,300 Land $88,000 Building $99,300 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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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