Frederick County property record for 21 Hammaker St, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,232 sqft · built 1986 |
| Lot Size | 0.237 acres (10,322 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,363 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-344946 |
| Primary APN | 15-344946 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,568 sqft |
| 1st Floor Area | 1,232 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,322 sqft (0.237 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 156 sqft |
| Deck Area | 120 sqft |
| Patio Area | 252 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Account Number | 344946 |
|---|---|
| Street Address | 21 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1790 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 1 SECTION 1 BLOCK B EAST END 10322 SQUARE FEET |
| Legal Subdivision | BLOCK B EAST END THURMONT |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 753002 |
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 | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WOODSBORO BANK |
| Mar 17, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage WOODSBORO BANK |
| Feb 6, 2023 | Intrafamily Transfer, Transfer |
| Sep 11, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2005 |
| Deed Sale | Jul 28, 2005 |
| Prior Sale | Aug 26, 1986 · Amount on Record |
| Deed Document Number | 200555682 |
| Deed Book / Page | 5460 / 561 |
| Last Transfer Date | Feb 28, 2023 |
| Transfer Doc | 0163670078 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0176640107 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | 17664/107 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year T-Bill |
| Max Rate | 11.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 17, 2023 |
| Property Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0163670078 |
| Book / Page | 16367 / 78 |
| Map Reference | MB 26 PG 44 |
| Instrument Date | Feb 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2023 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0001636783 |
|---|---|
| Date | Mar 17, 2023 |
| Instrument | 16367/83 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2043 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 6, 2023 |
| Property Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0163210134 |
| Book / Page | 16321 / 134 |
| Map Reference | MB 26 PG 44 |
| Instrument Date | Jan 23, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 21 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0132020161 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 13202/0161 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $253,000 (+7.98%) Land $59,700 Building $193,300 | $253,000 (-) Land $59,700 Building $193,300 | |
| 2025 | $3,363.00 (+4.9%) Homeowner's exemption | $234,300 (+18.99%) | $253,000 (+28.49%) Land $59,700 Building $193,300 |
| 2024 | $3,206.00 (+5.95%) | ||
| 2023 | $3,026.00 Homeowner's exemption | $196,900 Land $56,200 Building $140,700 | $196,900 Land $56,200 Building $140,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
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 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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