121 Hammaker St, Thurmont, MD 21788 Property Records

Frederick County property record for 121 Hammaker St, Thurmont, MD 21788

Property Summary

Property Type	Townhouse
Details	3 ba · 1,488 sqft · built 1985
Lot Size	0.149 acres (6,491 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Dec 2021)
Tax Bill	$2,940 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-346388`

Property Details

APN / Parcel Number

Primary APN	`15-346388`
Alternative APN	`346388`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,488 sqft Total Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1985
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,491 sqft (0.149 acres)
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	96 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	346388
Street Address	121 HAMMAKER ST
City	THURMONT
State	MD
Zip	21788
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 9 BLK B SEC 2 6491 SQUARE FEET EAST END THURMONT
Legal Subdivision	EAST END THURMONT
Legal Block	B
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3005
Census Tract	753002

Owner

Source: Frederick County records, as of September 25, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	121 HAMMAKER ST, THURMONT, MD 21788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Jul 3, 2014 · Amount on Record
Deed Document Number	0015535447
Deed Book / Page	15535 / 447
Record Updated	Jun 7, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 3, 2021
Property Address	121 HAMMAKER ST, THURMONT, MD 21788
Document Number	0155350447
Book / Page	15535 / 447
Map Reference	MB 28 PG 11
Instrument Date	Nov 19, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CLEAR TITLE, CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 W HAMMAKER ST, THURMONT, MD 21788-1766

Mortgage

Document Number	0015535452
Date	Dec 3, 2021
Instrument	15535/452

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,940.00	$191,100 Land $50,000 Building $141,100	$191,100 Land $50,000 Building $141,100

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

Flood

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.

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	Direct burnable vegetation

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 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