Frederick County property record for 126 Hammaker St, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,874 sqft · built 1988 |
| Lot Size | 0.082 acres (3,577 sqft) |
| Owner | Individual Name on File |
| Last Sale | $294,000 (Feb 2025) |
| Tax Bill | $3,214 (2024) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-346884 |
| Primary APN | 15-346884 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,874 sqft Living Area |
| 1st Floor Area | 694 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,577 sqft (0.082 acres) |
| Deck Area | 86 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 346884 |
|---|---|
| Street Address | 126 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 2 SEC 4 BLDG 102 3,577 SQ FT EAST END EAST HAMMAKER ST. |
| Legal Subdivision | EAST HAMMAKER ST |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 753002 |
126 Hammaker St, a townhouse, is owned by an individual who bought it in February 2025.
Source: Frederick County records, as of April 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 607 9TH AVE, BRUNSWICK, MD 21716-1812 |
| 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.
| Date | Document |
|---|---|
| Jul 8, 2022 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 15, 2018 | Deed, Transfer · Conventional Mortgage DIVERSIFIED FINANCIAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2025 · Amount on File |
| Deed Sale | Feb 27, 2025 · Amount on File |
| Prior Sale | Jul 8, 2022 · Amount on File |
| Deed Book / Page | 17238 / 97 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 8, 2022 |
| Property Address | 126 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0160250395 |
| Book / Page | 16025 / 395 |
| Map Reference | MB 32 PL 57 |
| Instrument Date | Jul 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 920 TALISMAN DR, 920, MARTINSBURG, WV 25403-2191 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 126 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0016025402 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 16025/402 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 126 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0151250301 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 15125/301 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 15, 2018 |
| Property Address | 126 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0125730156 |
| Book / Page | 12573 / 0156 |
| Map Reference | MB32 PG57 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KEYSTONE TITLE SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $387.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 126 E HAMMAKER ST, THURMONT, MD 21788-3300 |
| Document Number | 0012573163 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 12573/163 |
| Name | DIVERSIFIED FINANCIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $228,200 | $248,500 Land $55,000 Building $193,500 | |
| 2024 | $3,214.00 (+11.29%) | ||
| 2023 | $2,888.00 | $187,600 Land $50,000 Building $137,600 | $187,600 Land $50,000 Building $137,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 Hammaker St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 risk around 126 Hammaker 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 | 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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