13 Clarke Ct, Thurmont, MD 21788 Property Records

Frederick County property record for 13 Clarke Ct, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Lot Size	0.356 acres (15,491 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Dec 2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-607438`

Property Details

APN / Parcel Number

Primary APN	`15-607438`
Alternative APN	`607438`

Exterior

Lot Area	15,491 sqft (0.356 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	607438
Street Address	13 CLARKE CT
City	THURMONT
State	MD
Zip	21788-2071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 53 15,491 SQ FT HAMMAKER HILLS
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2005
Census Tract	753001

Owner

Source: Frederick County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13 CLARKE CT, THURMONT, MD 21788-2071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Deed Document Number	2025
Deed Book / Page	17626 / 84
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 3, 2025
Property Address	13 CLARKE CT, THURMONT, MD 21788-2071
Document Number	0176260084
Book / Page	17626 / 84
Map Reference	MB 111 PL 50
Instrument Date	Nov 21, 2025
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 CLARKE CT, THURMONT, MD 21788-2071

Mortgage

Document Number	0001762692
Date	Dec 3, 2025
Instrument	17626/92

Lender

Name	ACRISURE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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	Assessed Value	Assessed Market Value
2025	$110,400 Land $110,400	$110,400 Land $110,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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	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 331 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