Frederick County property record for 20 Summit Ave, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,564 sqft · built 1980 |
| Lot Size | 0.417 acres (18,170 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,078 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-340460 |
| Primary APN | 15-340460 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| Gross Area | 2,240 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 108 sqft |
| Finished Basement | 108 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,170 sqft (0.417 acres) |
| Lot Dimensions | 230 ft deep x 79 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Breezeway |
| Porch Area | 210 sqft |
| Breezeway | Breezeway |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 340460 |
|---|---|
| Street Address | 20 SUMMIT AVE |
| City | THURMONT |
| State | MD |
| Zip | 21788-1706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PT LT 10,ALL LOT 11 79X230 THURMONT SUMMIT AVE |
| Legal Lot Number | 10,11 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 753001 |
20 Summit Ave is owned and occupied by two individuals.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 SUMMIT AVE, THURMONT, MD 21788-1706 |
| 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 |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20 Summit Ave was $4,078.
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 | $287,300 (+8.01%) Land $65,600 Building $221,700 | $287,300 (-) Land $65,600 Building $221,700 | |
| 2025 | $4,078.00 | $266,000 | $287,300 Land $65,600 Building $221,700 |
| 2023 | $3,422.00 | $223,400 Land $61,800 Building $161,600 | $223,400 Land $61,800 Building $161,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 6 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 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 risk around 20 Summit Ave 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 | None beyond ember reach |
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 308 locations within half a mile, as of December 31, 2025
| Provider | Max 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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