Frederick County property record for 138 Hammaker St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,164 sqft · built 1985 |
| Lot Size | 0.276 acres (12,032 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,900 (May 2017) |
| Tax Bill | $5,259 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-344938 |
| Primary APN | 15-344938 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| Gross Area | 2,464 sqft |
| 1st Floor Area | 1,164 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,032 sqft (0.276 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 344938 |
|---|---|
| Street Address | 138 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 5, SECT 1, BLK A 12032 SQUARE FEET THURMONT EAST END |
| Legal Subdivision | THURMONT EAST END |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 753002 |
Source: Frederick County records, as of August 7, 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 | 138 W HAMMAKER ST, THURMONT, MD 21788-1765 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING |
| Nov 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| May 1, 2017 | Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on Record |
| Deed Sale | May 1, 2017 · Amount on Record |
| Prior Sale | Jan 16, 2009 · Amount on Record |
| Deed Document Number | 201711792-0111 |
| Deed Book / Page | 11792 / 111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 14, 2026 |
| Property Address | 138 W HAMMAKER ST, THURMONT, MD 21788-1765 |
| Document Number | 1795000313 |
| Book / Page | 17956 / 313 |
| Instrument Date | Jul 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 138 W HAMMAKER ST, THURMONT, MD 21788-1765 |
| Document Number | 1795000313, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 17956/313 |
| Name | CAPITAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 138 HAMMAKER ST, THURMONT, MD 21788 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0166610231 |
|---|---|
| Date | Nov 7, 2023 |
| Book Page | 16661/231 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 1, 2017 |
| Property Address | 138 HAMMAKER ST, THURMONT, MD 21788 |
| Document Number | 0117920111 |
| Book / Page | 11792 / 0111 |
| Map Reference | MB26 PG44 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 11792-0111 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 138 W HAMMAKER ST, THURMONT, MD 21788-1765 |
| Document Number | 117920115 |
|---|---|
| Date | May 1, 2017 |
| Instrument | 11792-0115 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $378,000 (+9.65%) Land $61,000 Building $317,000 | $378,000 (-) Land $61,000 Building $317,000 | |
| 2025 | $5,259.00 (+24.03%) | $344,733 (+23.92%) | $378,000 (+35.87%) Land $61,000 Building $317,000 |
| 2023 | $4,240.00 | $278,200 Land $57,400 Building $220,800 | $278,200 Land $57,400 Building $220,800 |
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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