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18 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 18 Summit Ave, Thurmont, MD 21788

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,412 sqft · built 1984
Lot Size0.396 acres (17,250 sqft)
OwnerIndividual Name on Record
Last Sale$356,000 (Apr 2019)
Tax Bill$4,741 (2023)
Deeds & MortgagesApr 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-340509

Property Details

APN / Parcel Number

Primary APN15-340509
Alternative APN
  • 340509

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,412 sqft Total Area
1st Floor Area1,514 sqft
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area17,250 sqft (0.396 acres)
Lot Dimensions230 ft deep x 74 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area88 sqft
Patio Area306 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number340509
Street Address18 SUMMIT AVE
CityTHURMONT
StateMD
Zip21788-1706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT OF LT 9,PT LT 10 74X230 SUMMIT AVE SUMMIT AVE
Legal Block230
Legal Lot Number9,10
JurisdictionFREDERICK MD
Township / Civil Division15, THURMONT
Census Block Group2
Census Block2009
Census Tract753001

Owner

Source: Frederick County records, as of September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address18 SUMMIT AVE, THURMONT, MD 21788-1706
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2019 · Amount on Record
Deed SaleApr 3, 2019 · Amount on Record
Deed Document Number0012902464
Deed Book / Page12902 / 464
Record UpdatedJun 7, 2026

April 2019: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateApr 3, 2019
Property Address18 SUMMIT AVE, THURMONT, MD 21788-1706
Document Number0129020464
Book / Page12902 / 0464
Instrument DateMar 29, 2019
Transaction TypeTransfer
Record UpdatedFeb 6, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address18 SUMMIT AVE, THURMONT, MD 21788-1706

Mortgage

Document Number0000000000
DateApr 3, 2019
Instrument12902-0471
Lender
TypeMortgage Company
Agreement
TypeARM
AmountAmount Recorded
Term360 Months
DueApr 1, 2049
Interest
Rate TypeFixed Rate
Rate3.75%
Type Change DateApr 1, 2024
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change5.75%
Index1-Year CMT
Margin3
Max Rate9.75%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityThurmont Town
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$4,741.00 Homeowner's exemption$311,800 Land $61,100 Building $250,700$311,800 Land $61,100 Building $250,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimSep 1979 · tidal / storm surge

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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemTOWN OF THURMONT
serves 6,200 people · EPA ID MD0100023
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2025
Lead4 ppb (2016–2018)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 308 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20

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