Frederick County property record for 23 Hammaker St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,160 sqft · built 1986 |
| Lot Size | 0.192 acres (8,378 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $313,500 (Feb 2024) |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-346604 |
| Primary APN | 15-346604 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,378 sqft (0.192 acres) |
| Garage Type | Carport |
| Garage Area | 308 sqft |
| Carport | Carport |
| Carport Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 346604 |
|---|---|
| Street Address | 23 HAMMAKER ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 13 SECT 3 BLK B 8,378 SQ FT EAST END HAMMAKER ST. |
| Legal Subdivision | HAMMAKER ST |
| Legal Block | B |
| Legal Lot Number | 13 |
| 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 18, 2026
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 |
|---|---|
| Mailing Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jun 22, 2021 | Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB |
| Sep 28, 2017 | Grant Deed, Transfer COUNSELLORS TITLE AGENCY INC |
| Jun 20, 2017 | Grant Deed, Transfer · Construction Mortgage THELMA M SHRY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2024 · Amount on Record |
| Deed Sale | Feb 16, 2024 · Amount on Record |
| Prior Sale | Jun 22, 2021 · Amount on Record |
| Deed Book / Page | 16766 / 37 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 16, 2024 |
| Property Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0167660037 |
| Book / Page | 16766 / 37 |
| Map Reference | MB 32 PG 56 |
| Instrument Date | Feb 14, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Title Company | KVS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $783.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0001676644 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 16766/44 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 22, 2021 |
| Property Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0150080420 |
| Book / Page | 15008 / 420 |
| Map Reference | MB 32 PG 56 |
| Instrument Date | May 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 SPINNING WHEEL CT, 14, GERMANTOWN, MD 20874-2820 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 15008427 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 15008/427 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 28, 2017 |
| Property Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0120531269 |
| Book / Page | 012053 / 001269 |
| Instrument Date | Aug 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2017 |
| Title Company | COUNSELLORS TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $232.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 101 E MAIN ST THURMONT MD 217882009, THURMONT, MD 21788-2009 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 20, 2017 |
| Property Address | 23 HAMMAKER ST, THURMONT, MD 21788-1790 |
| Document Number | 0118790006 |
| Book / Page | 011879 / 000006 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | COUNSELORS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | PO BOX 142 THURMONT MD 217880142, THURMONT, MD 21788-0142 |
| Document Number | 118790013 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 011879/000013 |
| Name | THELMA M SHRY |
|---|---|
| Address | 125 CODY DR # 33, THURMONT, MD 21788-1694 |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 19, 2018 |
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 | $246,600 (+21.3%) Land $55,000 Building $191,600 | $246,600 (+21.3%) Land $55,000 Building $191,600 | |
| 2025 | $3,570.00 (+14.35%) | ||
| 2023 | $3,122.00 | $203,300 Land $52,000 Building $151,300 | $203,300 Land $52,000 Building $151,300 |
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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