Frederick County property record for 17 Hammaker St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,064 sqft · built 1984 |
| Lot Size | 0.347 acres (15,110 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (Nov 1990) |
| Tax Bill | $3,381 (2025) |
| Deeds & Mortgages | Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-344873 |
| Primary APN | 15-344873 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,064 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,110 sqft (0.347 acres) |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 76 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 344873 |
|---|---|
| Street Address | 17 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 1 SECTION 1 BLOCK A EAST END 15110 SQUARE FEET |
| Legal Subdivision | BLOCK A EAST END THURMONT |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 753002 |
17 Hammaker St is owned and occupied by two individuals who bought it in November 1990.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 1990 · Amount on File |
| Deed Sale | Nov 30, 1990 · Amount on File |
| Prior Sale | Apr 30, 1986 · Amount on File |
| Deed Book / Page | 1682 / 68 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 17 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0124510352 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 12451/0352 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 17 Hammaker St was $3,381 with a homeowner's exemption.
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 | $270,600 Land $63,300 Building $207,300 | $270,600 Land $63,300 Building $207,300 | |
| 2025 | $3,381.00 | ||
| 2023 | $3,038.00 Homeowner's exemption | $197,700 Land $59,600 Building $138,100 | $197,700 Land $59,600 Building $138,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17 Hammaker St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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.
Wildfire risk around 17 Hammaker St is low, with a 0.01% annual chance of 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 | 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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