Frederick County property record for 15 E Main St, Thurmont, MD 21788
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 8,144 sqft · built 1961 |
| Lot Size | 1.1 acres (48,100 sqft) |
| Owner | Company Name on Record |
| Last Sale | $650,000 (Sep 2025) |
| Tax Bill | $8,742 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage May 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-341637 |
| Primary APN | 15-341637 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 8,144 sqft Total Area |
| Year Built | Built 1961 |
|---|---|
| Exterior Material | Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 48,100 sqft (1.1 acres) |
| Lot Dimensions | 325 ft deep x 148 ft wide |
| Canopy | 564 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Package Unit |
| Sewer | Connected |
| Account Number | 341637 |
|---|---|
| Street Address | 15 E MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-2007 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | TB |
| Legal Description | LT 148 X 325 15 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 100 |
| Legal Lot Number | 15 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 753002 |
Source: Frederick County records, as of October 1, 2025
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 | 5302 WOODHILL WAY, FREDERICK, MD 21703-6910 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed, Transfer · Stand-Alone First Mortgage WOODSBORO BANK |
| May 28, 2021 | Deed, Transfer · Line of Credit FIRST UNITED BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2025 · Amount on Record |
| Deed Sale | Sep 18, 2025 · Amount on Record |
| Prior Sale | May 28, 2021 · Amount on Record |
| Deed Document Number | 0001751952 |
| Deed Book / Page | 17519 / 52 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 18, 2025 |
| Property Address | 15 E MAIN ST, THURMONT, MD 21788-2007 |
| Document Number | 0175190052 |
| Book / Page | 17519 / 52 |
| Instrument Date | Sep 12, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5302 WOODHILL WAY, FREDERICK, MD 21703-6910 |
| Mail Care Of | PAUL GORGOL |
| Document Number | 0001751958 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 17519/58 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 28, 2021 |
| Property Address | 15 E MAIN ST, THURMONT, MD 21788-2007 |
| Document Number | 0149370383 |
| Book / Page | 14937 / 383 |
| Instrument Date | May 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 201 POPLAR ST, THURMONT, MD 21788-1797 |
| Document Number | 0014937389 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 14937/389 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Frederick County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $8,742.00 (+0.55%) | $549,467 (+0.09%) | $549,700 (+0.13%) Land $161,700 Building $388,000 |
| 2023 | $8,694.00 | $549,000 Land $174,400 Building $374,600 | $549,000 Land $174,400 Building $374,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | 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.
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 242 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 |
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