140 Frederick Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 140 Frederick Rd, Thurmont, MD 21788

Property Summary

Property Type	Regional Shopping Center, Mall
Details	15,000 sqft · built 1986
Lot Size	2.93 acres (128,066 sqft)
Owner	Company Name on Record
Last Sale	$2,325,000 (Nov 2021)
Tax Bill	$34,200 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-334487`

Property Details

APN / Parcel Number

Primary APN	`15-334487`
Alternative APN	`334487`

Interior

Units	5 Units
Stories	2 Stories
Building Area	15,000 sqft Gross Area
1st Floor Area	15,000 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	128,066 sqft
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Canopy	3,748 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	334487
Street Address	140 FREDERICK RD
City	THURMONT
State	MD
Zip	21788-1865
Property Category	Commercial
Property Type	Commercial > Retail > Regional Shopping Center, Mall
Local Zoning Code	GB
Legal Description	LT 2.94 ACRES R. 15 THURMONT
Legal Subdivision	THURMONT
Legal Block	280
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6009
Census Tract	753001

Owner

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	Company Name on Record
Mailing Address	140 FREDERICK RD, THURMONT, MD 21788-1865
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Unknown GOPI SHAH REVOCABLE TRUST
Nov 15, 2021	Special Warranty Deed, Transfer · Stand-Alone First Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Jun 2, 2011 · Amount on Record
Deed Book / Page	15494 / 47
Transfer Doc	0066450099
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	140 FREDERICK RD, THURMONT, MD 21788-1865
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3427, ELLICOTT CITY, MD 21041-3427

Mortgage

Document Number	0154940096
Date	Nov 15, 2021
Book Page	15494/96

Lender

Name	GOPI SHAH REVOCABLE TRUST
Type	Private Party
Address	97740 ORMANDS TERRACE, IJAMSVILLE, MD 21754

Agreement

Type	Unknown
Amount	Amount Recorded

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 15, 2021
Property Address	140 FREDERICK RD, THURMONT, MD 21788-1865
Document Number	0154940047
Book / Page	15494 / 47
Map Reference	MB 82 PG 174&175
Instrument Date	Oct 7, 2021
Transaction Type	Transfer
Record Updated	Aug 6, 2024
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9774 ORMONDS TER, IJAMSVILLE, MD 21754-9703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3427, ELLICOTT CITY, MD 21041-3427

Mortgage

Document Number	0001549459
Date	Nov 15, 2021
Instrument	15494/59

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0154940077
Date	Nov 15, 2021
Book Page	15494/77

Lender

Name	FCB BANKS
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,257,600 (-) Land $1,152,500 Building $1,105,100	$2,257,600 (-) Land $1,152,500 Building $1,105,100
2025	$34,200.00 (+0.29%)	$2,257,600 (-20.75%) Land $1,152,500 Building $1,105,100	$2,257,600 (-20.75%) Land $1,152,500 Building $1,105,100
2024	$34,101.00 (-21.64%)
2023	$43,521.00	$2,848,800 Land $1,440,700 Building $1,408,100	$2,848,800 Land $1,440,700 Building $1,408,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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