12 Jermae St, Thurmont, MD 21788 Property Records

Frederick County property record for 12 Jermae St, Thurmont, MD 21788

Property Summary

Property Type	Exempt (Full or Partial)
Details	2 ba · 1,635 sqft · built 2006
Lot Size	0.087 acres (3,794 sqft)
Owner	Individual Name on File
Last Sale	$296,999 (Aug 2006)
Tax Bill	$88 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-363622`

Property Details

APN / Parcel Number

Primary APN	`15-363622`
Alternative APN	`363622`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,635 sqft Gross Area
1st Floor Area	1,395 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,794 sqft (0.087 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	15 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	363622
Street Address	12 JERMAE ST
City	THURMONT
State	MD
Zip	21788-2271
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R5
Legal Description	LOT 102 SECTION III 3,794 SQ. FT. JERMAE ESTATES
Legal Subdivision	JERMAE ESTATES
Legal Lot Number	102
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	5
Census Block	5014
Census Tract	753001

Owner

12 Jermae St is owned and occupied by an individual who bought it in August 2006.

Source: Frederick County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	12 JERMAE ST, THURMONT, MD 21788-2271
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Oct 28, 2019	Deed of Trust, Mortgage · Conventional with PMI RIVER CTY MTG
Jan 2, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 11, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2006 · Amount on File
Deed Sale	Aug 14, 2006 · Amount on File
Deed Document Number	200665562
Deed Book / Page	6171 / 242
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12 JERMAE ST, THURMONT, MD 21788-2271
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COSMOPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140800085
Date	Sep 17, 2020
Book Page	14080/85

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12 JERMAE ST, THURMONT, MD 21788-2271
Document Number	0133340112
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JERMAE ST THURMONT MD 217882271, THURMONT, MD 21788-2271

Mortgage

Document Number	0133340112
Date	Nov 8, 2019
Book Page	013334/000112

Lender

Name	RIVER CTY MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45212

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12 JERMAE ST, THURMONT, MD 21788-2271
Document Number	0128120144
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	JANUS TITLE LLC, VENUS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JERMAE ST THURMONT MD 217882271, THURMONT, MD 21788-2271

Mortgage

Document Number	0128120144
Date	Jan 25, 2019
Book Page	012812/000144

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12 JERMAE ST, THURMONT, MD 21788-2271
Document Number	0122770404
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018
Title Company	JANUS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JERMAE ST THURMONT MD 217882271, THURMONT, MD 21788-2271

Mortgage

Document Number	0122770404
Date	Feb 14, 2018
Book Page	012277/000404

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Jermae St was $88 with a homeowner's exemption.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$298,400 Land $50,000 Building $248,400	$298,400 Land $50,000 Building $248,400
2025	$88.00
2023	$88.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$229,700 Land $50,000 Building $179,700	$229,700 Land $50,000 Building $179,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Jermae St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2009 · other causes

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 12 Jermae St is low, with a 0.01% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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