15 E Moser Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 15 E Moser Rd, Thurmont, MD 21788

Property Summary

Property Type	Commercial
Details	2 ba · 2,272 sqft · built 1915
Lot Size	0.992 acres (43,212 sqft)
Owner	Individual Name on Record
Last Sale	$112,200 (Jul 1999)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`15-319046`

Property Details

APN / Parcel Number

Primary APN	`15-319046`
Alternative APN	`319046`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,272 sqft Gross Area
1st Floor Area	1,136 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Other
Lot Area	43,212 sqft (0.992 acres)
View / Lot	Commercial/Industrial
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	319046
Street Address	15 E MOSER RD
City	THURMONT
State	MD
Zip	21788-1808
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	VC
Legal Description	LT .992 AC 15 E. MOSER RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	270
Legal Lot Number	992
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6008
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	Individual Name on Record
Mailing Address	15 E MOSER RD, THURMONT, MD 21788-1808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage NYMEO FCU
Oct 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage NYMEO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 1999 · Amount on Record
Deed Sale	Jul 29, 1999 · Amount on Record
Deed Document Number	19994747
Deed Book / Page	2612 / 1335
Last Transfer Date	Jun 15, 2010
Transfer Doc	0078710137
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	15 E MOSER RD, THURMONT, MD 21788-1808
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120840179
Date	Oct 17, 2017
Book Page	12084/0179
Instrument	12084-0179

Lender

Name	NYMEO FCU
Type	Credit Union
Address	FREDERICK, MD 21703

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	15 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0120840196
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E MOSER RD THURMONT MD 217881808, THURMONT, MD 21788-1808

Mortgage

Document Number	0120840196
Date	Oct 17, 2017
Book Page	012084/000196

Lender

Name	NYMEO FCU
Type	Credit Union
Address	FREDERICK, MD 21703

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

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		$342,400 (+13.13%) Land $84,400 Building $258,000	$342,400 (-) Land $84,400 Building $258,000
2025	$3,806.00 (+5.02%) Homeowner's exemption	$302,667 (+35.6%)	$342,400 (+53.41%) Land $84,400 Building $258,000
2024	$3,624.00 (+6%)
2023	$3,419.00 Homeowner's exemption	$223,200 Land $79,500 Building $143,700	$223,200 Land $79,500 Building $143,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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
Adjoins Burnable Land	Yes

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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