Frederick County property record for 133 Hammaker St, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,058 sqft · built 1985 |
| Lot Size | 0.157 acres (6,853 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,000 (Sep 2025) |
| Tax Bill | $4,353 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Aug 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-346434 |
| Primary APN | 15-346434 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,364 sqft |
| 1st Floor Area | 768 sqft |
| Basement Area | 570 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Townhouse |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 6,853 sqft (0.157 acres) |
| Porch | Slab |
| Porch Area | 378 sqft |
| Patio Area | 153 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 346434 |
|---|---|
| Street Address | 133 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 6 BLK B SEC 2 6853 SQ FT EAST END THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | B |
| Legal Lot Number | 6 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 753002 |
133 Hammaker St, a townhouse, is owned by two individuals who bought it in September 2025.
Source: Frederick County records, as of October 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 25, 2025 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Aug 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Dec 5, 2019 | Grant Deed, Transfer · Conventional with PMI BRANCH BK&TR |
| Dec 5, 2017 | Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 24, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Mar 9, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on File |
| Deed Sale | Sep 25, 2025 · Amount on File |
| Prior Sale | Dec 5, 2019 · Amount on File |
| Deed Book / Page | 17529 / 167 |
| Prior Transfer Date | Mar 1, 2017 |
| Prior Transfer Doc | 0117060178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 25, 2025 |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0175290167 |
| Book / Page | 17529 / 167 |
| Map Reference | MB 28 PL 11 |
| Instrument Date | Jun 9, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | JUNCTION TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $857.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0017529179 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 17529/179 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jul 1, 2055 |
| Document Number | 0175290206 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 17529/206 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | CERTIFIED TITLE CORPORTION |
| Name | Verified Name |
|---|
| Document Number | 0125770045 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 12577/0045 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 5, 2019 |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0133790045 |
| Book / Page | 013379 / 000045 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $209.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 133 W HAMMAKER ST THURMONT MD 217881766, THURMONT, MD 21788-1766 |
| Document Number | 133790052 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 013379/000052 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 5, 2017 |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0121640499 |
| Book / Page | 12164 / 0499 |
| Map Reference | MB28 PL11 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 12164-0499 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | PRUITT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1501 KEYSVILLE RD S, KEYMAR, MD 21757-8743 |
| Document Number | 0121640506 |
|---|---|
| Date | Dec 5, 2017 |
| Instrument | 12164-0506 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 24, 2017 |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0119470484 |
| Book / Page | 011947 / 000484 |
| Instrument Date | May 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 9, 2017 |
| Property Address | 133 W HAMMAKER ST, THURMONT, MD 21788-1766 |
| Document Number | 0117060178 |
| Book / Page | 011706 / 000178 |
| Instrument Date | Mar 1, 2016 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $147.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493 |
The 2025 property tax bill for 133 Hammaker St was $4,353, up 9.4% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $309,800 (+8.96%) Land $55,000 Building $254,800 | $309,800 (-) Land $55,000 Building $254,800 | |
| 2025 | $4,353.00 (+9.37%) | $284,333 | $309,800 Land $55,000 Building $254,800 |
| 2024 | $3,980.00 (+11.45%) | ||
| 2023 | $3,571.00 | $233,400 Land $50,000 Building $183,400 | $233,400 Land $50,000 Building $183,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 133 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 133 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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