Frederick County property record for 22 Mantle Ct, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,608 sqft · built 2003 |
| Lot Size | 0.351 acres (15,303 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,900 (May 2020) |
| Tax Bill | $6,786 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-360585 |
| Primary APN | 15-360585 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,608 sqft Living Area |
| Gross Area | 4,092 sqft |
| 1st Floor Area | 1,544 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,303 sqft (0.351 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 360585 |
|---|---|
| Street Address | 22 MANTLE CT |
| City | THURMONT |
| State | MD |
| Zip | 21788-2231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 321 SECT 3 15,303 SQ FT BENNETT ESTATES |
| Legal Subdivision | BENNETT ESTATES |
| Legal Lot Number | 321 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 753001 |
22 Mantle Ct is owned and occupied by two individuals who bought it in May 2020.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 MANTLE CT, THURMONT, MD 21788-2231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 15, 2018 | Deed of Trust, Mortgage · ARM PNC BANK NA |
| Apr 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2020 · Amount on File |
| Deed Sale | May 4, 2020 · Amount on File |
| Prior Sale | Feb 27, 2004 · Amount on File |
| Deed Book / Page | 13702 / 158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 22 MANTLE CT, THURMONT, MD 21788-2231 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | NATIONLINK |
| Name | Verified Name |
|---|
| Document Number | 0124700125 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 12470/0125 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 22 MANTLE CT, THURMONT, MD 21788-2231 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 22 MANTLE CT, THURMONT, MD 21788-2231 |
| Document Number | 0147540283 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 14754/283 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 22 Mantle Ct was $6,786 with a homeowner's exemption.
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 | $584,700 Land $63,400 Building $521,300 | $584,700 Land $63,400 Building $521,300 | |
| 2025 | $6,786.00 | ||
| 2023 | $6,089.00 | $402,100 Land $59,700 Building $342,400 | $402,100 Land $59,700 Building $342,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Mantle Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 1 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2009 · other causes |
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 22 Mantle Ct 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 | 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 97 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 |
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