21 E Moser Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 21 E Moser Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,040 sqft · built 2018
Lot Size	0.183 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2019)
Tax Bill	$88 (2023)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-343710`

Property Details

APN / Parcel Number

Primary APN	`15-343710`
Alternative APN	`343710`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Siding
Lot Area	8,000 sqft (0.183 acres)
Porch	Open Porch
Porch Area	180 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	343710
Street Address	21 E MOSER RD
City	THURMONT
State	MD
Zip	21788-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VC
Legal Description	LT 2 SECT 1 8,000 SQ. FT. THURMONT
Legal Subdivision	THURMONT
Legal Block	27
Legal Lot Number	2
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 September 25, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	21 E MOSER RD, THURMONT, MD 21788-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2019	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Jan 17, 2019	Deed, Transfer · VA Mortgage STEARNS LENDING LLC
Jul 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on Record
Deed Sale	Jan 17, 2019 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Document Number	0012803135
Deed Book / Page	12803 / 135
Record Updated	Jun 7, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	21 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0132170262
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 E MOSER RD THURMONT MD 217881808, THURMONT, MD 21788-1808

Mortgage

Document Number	0132170262
Date	Sep 17, 2019
Book Page	013217/000262

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 17, 2019
Property Address	21 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0128030135
Book / Page	12803 / 0135
Map Reference	MB 10 FO 37
Instrument Date	Dec 21, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 E MOSER RD, THURMONT, MD 21788-1808

Mortgage

Document Number	0012803142
Date	Jan 17, 2019
Instrument	12803/142

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 14, 2017
Property Address	21 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0119230268
Book / Page	011923 / 000268
Instrument Date	Jul 12, 2017
Transaction Type	Transfer
Record Updated	Aug 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$42.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6135 MOUNTAINDALE RD THURMONT MD 217882712, THURMONT, MD 21788-2712

Tax Assessment & Valuation

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

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
2023	$88.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$307,700 Land $52,000 Building $255,700	$307,700 Land $52,000 Building $255,700

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 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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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