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19 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 19 E Main St, Thurmont, MD 21788 · Last verified July 2026

Property Summary

Property TypeCommercial
Details2 ba · 2,557 sqft · built 1915
Lot Size0.227 acres (9,900 sqft)
Owner2 Individual Names on File
Last Sale$285,000 (Sep 2021)
Tax Bill$5,387 (2025)
Deeds & MortgagesJun 2017 Mortgage
Sep 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-335742

Property Details

APN / Parcel Number

Primary APN15-335742
Alternative APN
  • 335742

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,557 sqft Gross Area
1st Floor Area1,421 sqft

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area9,900 sqft (0.227 acres)
Lot Dimensions275 ft deep x 2 ft wide
View / LotCommercial/Industrial
PorchSlab
Porch Area177 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerMunicipal

Location & Zoning

Account Number335742
Street Address19 E MAIN ST
CityTHURMONT
StateMD
Zip21788-2055
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionLT 271/2 X 275 19 E. MAIN ST. THURMONT
Legal SubdivisionTHURMONT
Legal Block100
Legal Lot Number19
JurisdictionFREDERICK MD
Township / Civil Division15, THURMONT
Census Block Group3
Census Block3015
Census Tract753002

Owner

Source: Frederick County records · APN 15-335742

Assessment roll updated August 4, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address19 E MAIN ST, THURMONT, MD 21788-2055
Owner TypeIndividual
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jun 05, 2017Deed of Trust, Mortgage · Commercial Mortgage
SANDY SPRING BANK
Sep 13, 2021Deed, Transfer · VA Mortgage
FIRST HERITAGE MORTGAGE LLC
Apr 07, 2017Grant Deed, Transfer · Line of Credit
EMBRACE HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 13, 2021 · Amount on Record
Deed SaleSep 13, 2021 · Amount on Record
Prior SaleApr 07, 2017 · Amount on Record
Deed Book / Page15278 / 474
Record UpdatedSep 20, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address19 E MAIN ST, THURMONT, MD 21788-2055
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyMARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0118510030
DateJun 05, 2017
Book Page11851/0030
Instrument11851-0030
Lender
NameSANDY SPRING BANK
TypeBank
AddressOLNEY, MD 20832
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term479 Months
DueMay 22, 2057
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateSep 13, 2021
Property Address19 E MAIN ST, THURMONT, MD 21788-2055
Document Number0152780474
Book / Page15278 / 474
Instrument DateAug 06, 2021
Transaction TypeTransfer
Record UpdatedSep 23, 2021
Title CompanyFLYNN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$712.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address19 E MAIN ST, THURMONT, MD 21788-2055

Mortgage

Document Number15278482
DateSep 13, 2021
Instrument15278/482
Lender
NameFIRST HERITAGE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

April 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateApr 07, 2017
Property Address19 E MAIN ST, THURMONT, MD 21788-2055
Document Number0117560044
Book / Page011756 / 000044
Instrument DateMar 30, 2017
Transaction TypeTransfer
Record UpdatedJan 10, 2019
Title CompanyLAWYERS SIGNATURE SETTLEMENTS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$127.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 E MAIN ST THURMONT MD 217882055, THURMONT, MD 21788-2055

Mortgage

Document Number117560050
DateApr 07, 2017
Book Page011756/000050
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 06, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,387.00 (+64.89%)$353,267 (+65.85%)$423,400 (+98.78%) Land $62,300 Building $361,100
2023$3,267.00$213,000 Land $58,900 Building $154,100$213,000 Land $58,900 Building $154,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217530023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2011–2021)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2021, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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