Frederick County property record for 16 Hammaker St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,400 sqft · built 1984 |
| Lot Size | 0.294 acres (12,788 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $74,000 (Sep 1986) |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-344997 |
| Primary APN | 15-344997 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 1,736 sqft |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 12,788 sqft (0.294 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 114 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Account Number | 344997 |
|---|---|
| Street Address | 16 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 1 SECTION 1 BL C 12788 SQ FT EAST END |
| Legal Subdivision | EAST END |
| Legal Block | C |
| Legal Lot Number | 1 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Apr 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 1986 · Amount on Record |
| Deed Sale | Sep 30, 1986 · Amount on Record |
| Deed Book / Page | 1367 / 912 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 16 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 16 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Document Number | 0161940024 |
|---|---|
| Date | Oct 25, 2022 |
| Book Page | 16194/24 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 16 HAMMAKER ST, THURMONT, MD 21788-1730 |
| Document Number | 0124150255 |
| Instrument Date | Apr 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 HAMMAKER ST THURMONT MD 217881730, THURMONT, MD 21788-1730 |
| Document Number | 0124150255 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 012415/000255 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CIEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2048 |
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 | $290,000 (+8.16%) Land $61,500 Building $228,500 | $290,000 (-) Land $61,500 Building $228,500 | |
| 2025 | $4,110.00 (+19.58%) | $268,133 (+19.49%) | $290,000 (+29.23%) Land $61,500 Building $228,500 |
| 2023 | $3,437.00 | $224,400 Land $57,900 Building $166,500 | $224,400 Land $57,900 Building $166,500 |
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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