204 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 204 Summit Ave, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Lot Size	0.157 acres (6,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$534,710 (Feb 2026)
Tax Bill	$1,527 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-607428`

Property Details

APN / Parcel Number

Primary APN	`15-607428`
Alternative APN	`607428`

Exterior

Lot Area	6,820 sqft (0.157 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Account Number	607428
Street Address	204 SUMMIT AVE
City	THURMONT
State	MD
Zip	21788-1861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 6,820 SQ FT HAMMAKER HILLS
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2005
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 Individual Names on Record
Mailing Address	204 SUMMIT AVE, THURMONT, MD 21788-1861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on Record
Deed Sale	Feb 4, 2026 · Amount on Record
Deed Book / Page	17708 / 301
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 4, 2026
Property Address	204 SUMMIT AVE, THURMONT, MD 21788-1861
Document Number	0177080301
Book / Page	17708 / 301
Map Reference	MB 111 PL 50
Instrument Date	Jan 29, 2026
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	KEYSTONE SETTLEMENT SERVICES, KEYSTONE TTL STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,673.55
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 by the Entirety
Address	204 SUMMIT AVE, THURMONT, MD 21788-1861

Mortgage

Document Number	0017708309
Date	Feb 4, 2026
Instrument	17708/309

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

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		$426,500 Land $101,800 Building $324,700	$426,500 Land $101,800 Building $324,700
2025	$1,527.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 331 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