28 Frederick Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 28 Frederick Rd, Thurmont, MD 21788

Property Summary

Property Type	Commercial
Details	1.5 ba · 1,234 sqft · built 1925
Lot Size	0.43 acres (18,745 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Feb 2021)
Tax Bill	$3,455 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`15-328487`

Property Details

APN / Parcel Number

Primary APN	`15-328487`
Alternative APN	`328487`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,234 sqft Gross Area
1st Floor Area	1,157 sqft
Attic	Attic
Attic Area	578 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,745 sqft (0.43 acres)
Lot Dimensions	250 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Area	180 sqft
Porch	Enclosed Porch
Porch Area	277 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	328487
Street Address	28 FREDERICK RD
City	THURMONT
State	MD
Zip	21788-1809
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	VC
Legal Description	LT 75 X 250 28 FREDK RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	270
Legal Lot Number	28
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6008
Census Tract	753001

Owner

28 Frederick Rd, a commercial property, is owned by two individuals who bought it in February 2021.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 FREDERICK RD, THURMONT, MD 21788-1809
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on File
Deed Sale	Feb 25, 2021 · Amount on File
Prior Sale	Oct 20, 2005 · Amount on File
Deed Book / Page	14589 / 488
Prior Transfer Date	Sep 4, 2014
Prior Transfer Doc	0102080243
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 25, 2021
Property Address	28 FREDERICK RD, THURMONT, MD 21788-1809
Document Number	0145890488
Book / Page	14589 / 488
Instrument Date	Feb 12, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 FREDERICK RD, THURMONT, MD 21788-1809

Mortgage

Document Number	14589496
Date	Feb 25, 2021
Instrument	14589/496

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	28 FREDERICK RD, THURMONT, MD 21788-1809
Document Number	0130660235
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	28 FREDERICK RD THURMONT MD 217881809, THURMONT, MD 21788-1809

Mortgage

Document Number	0130660235
Date	Jul 2, 2019
Book Page	013066/000235

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 28 Frederick Rd was $3,455, up 17.7% from the year before.

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		$259,600 (+15.63%) Land $66,000 Building $193,600	$259,600 (-) Land $66,000 Building $193,600
2025	$3,455.00 (+17.72%)	$224,500	$259,600 Land $66,000 Building $193,600
2024	$2,935.00 (+22.75%)
2023	$2,391.00	$154,300 Land $62,200 Building $92,100	$154,300 Land $62,200 Building $92,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28 Frederick Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 28 Frederick Rd 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	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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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