20 Frederick Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 20 Frederick Rd, Thurmont, MD 21788

Property Summary

Property Type	Commercial Office
Details	10,188 sqft · built 1949
Lot Size	0.555 acres (24,165 sqft)
Owner	2 Company Names on Record
Last Sale	$785,000 (Oct 2022)
Tax Bill	$11,559 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2022 Sale & Construction Loan
Flood Zone	Zone AE (high risk)
APN	`15-328592`

Property Details

APN / Parcel Number

Primary APN	`15-328592`
Alternative APN	`328592`

Interior

Stories	2 Stories
Building Area	10,188 sqft Gross Area
1st Floor Area	10,188 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	24,165 sqft (0.555 acres)
View / Lot	Commercial/Industrial
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	328592
Street Address	20 FREDERICK RD
City	THURMONT
State	MD
Zip	21788-1809
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	R1
Legal Description	LT 24,165 SQ. FT. FREDK RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	270
Legal Lot Number	24
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	2 Company Names on Record
Mailing Address	6959 GOLDEN RING RD, ROSEDALE, MD 21237-3033
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage FRADERICK COUNTY BANK
Oct 20, 2022	Deed, Construction Loan · Construction Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Jun 13, 2008 · Amount on Record
Deed Book / Page	16188 / 339
Transfer Doc	0000001849
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	20 FREDERICK RD, THURMONT, MD 21788-1809
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127130159
Date	Nov 15, 2018
Book Page	12713/0159

Lender

Name	FRADERICK COUNTY BANK
Address	FREDERICK, MD 21702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 20, 2022
Property Address	20 FREDERICK RD, THURMONT, MD 21788-1809
Document Number	0161880339
Book / Page	16188 / 339
Map Reference	MB 81 PG 004
Instrument Date	Jun 17, 2022
Transaction Type	Construction Loan
Record Updated	Nov 1, 2022
Title Company	BLUE RIDGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1311 BIGLERVILLE RD, GETTYSBURG, PA 17325-8019

Mortgage

Document Number	0016188344
Date	Oct 20, 2022
Instrument	16188/344

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$756,600 (-33.78%) Land $115,200 Building $641,400	$756,600 (-33.78%) Land $115,200 Building $641,400
2025	$11,559.00 (-33.04%)
2023	$17,262.00	$1,142,500 Land $115,200 Building $1,027,300	$1,142,500 Land $115,200 Building $1,027,300

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	Yes
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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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