Frederick County property record for 120 Hammaker St, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,374 sqft · built 1988 |
| Lot Size | 0.123 acres (5,340 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $194,900 (Nov 2019) |
| Tax Bill | $3,080 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-346841 |
| Primary APN | 15-346841 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,374 sqft Living Area |
| 1st Floor Area | 694 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,340 sqft (0.123 acres) |
| Deck Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 346841 |
|---|---|
| Street Address | 120 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 7 SEC 4 BLDG 101 5,340 SQ FT EAST END EAST HAMMAKER ST. |
| Legal Subdivision | EAST END SEC 04 |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 753002 |
Source: Frederick County records, as of July 20, 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 | 120 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Feb 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 4, 2019 | Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on Record |
| Deed Sale | Nov 4, 2019 · Amount on Record |
| Prior Sale | Mar 27, 2012 · Amount on Record |
| Deed Book / Page | 13319 / 278 |
| Prior Transfer Date | May 24, 2007 |
| Prior Transfer Doc | 0066130514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 120 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 120 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0157000025 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 15700/25 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 4, 2019 |
| Property Address | 120 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0133190278 |
| Book / Page | 13319 / 0278 |
| Map Reference | MB 32 PG 57 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $974.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 120 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 133190284 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 13319/0284 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,080.00 (+4.94%) Homeowner's exemption | $216,567 (+20.52%) | $235,000 (+30.77%) Land $55,000 Building $180,000 |
| 2024 | $2,935.00 (+5.96%) | ||
| 2023 | $2,770.00 Homeowner's exemption | $179,700 Land $50,000 Building $129,700 | $179,700 Land $50,000 Building $129,700 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | Direct burnable vegetation |
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 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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