Frederick County property record for 14 Hammaker St, Thurmont, MD 21788
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 3 ba · 2,996 sqft · built 1982 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,000 (Sep 2006) |
| Tax Bill | $88 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-340339 |
| Primary APN | 15-340339 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,996 sqft Gross Area |
| 1st Floor Area | 2,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 1.5 ft deep x 1 ft wide |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 340339 |
|---|---|
| Street Address | 14 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1730 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R2 |
| Legal Description | LT #20, 100 X 150 ROLLING ACRES THURMONT |
| Legal Subdivision | ROLLING ACRES SEC 04 |
| Legal Block | 15 |
| Legal Lot Number | 20 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 753002 |
Source: Frederick County records, as of August 7, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Nov 21, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Feb 10, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2006 · Amount on Record |
| Deed Sale | Sep 18, 2006 · Amount on Record |
| Prior Sale | Aug 11, 1986 · Amount on Record |
| Deed Document Number | 200666418 |
| Deed Book / Page | 6223 / 133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 14 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0145250113 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 14525/113 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 14 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Document Number | 0134250372 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 HAMMAKER ST THURMONT MD 217881730, THURMONT, MD 21788-1730 |
| Document Number | 0134250372 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 013425/000372 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 14 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Document Number | 0116870355 |
| Book / Page | 011687 / 000355 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 14 HAMMAKER ST THURMONT MD 217881730, THURMONT, MD 21788-1730 |
| Document Number | 0116870355 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 011687/000355 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 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 | $424,400 (+31.52%) Land $63,200 Building $361,200 | $424,400 (+31.52%) Land $63,200 Building $361,200 | |
| 2025 | $88.00 | ||
| 2023 | $88.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $322,700 Land $59,500 Building $263,200 | $322,700 Land $59,500 Building $263,200 |
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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