Frederick County property record for 3 Colliery Dr, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,408 sqft · built 1990 |
| Lot Size | 0.209 acres (9,118 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Feb 2021) |
| Tax Bill | $4,054 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-347902 |
| Primary APN | 15-347902 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 704 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,118 sqft (0.209 acres) |
| Porch | Open Porch |
| Porch Area | 174 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 347902 |
|---|---|
| Street Address | 3 COLLIERY DR |
| City | THURMONT |
| State | MD |
| Zip | 21788-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 117 SEC 1 9118 SQ. FT. GATEWAY |
| Legal Subdivision | GATEWAY |
| Legal Lot Number | 117 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 753001 |
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 | 3 COLLIERY DR, THURMONT, MD 21788-3103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 18, 2021 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2021 · Amount on Record |
| Deed Sale | Feb 18, 2021 · Amount on Record |
| Prior Sale | Sep 30, 2003 |
| Deed Book / Page | 14561 / 249 |
| Transfer Doc | 0000007263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 29, 2026 |
| Property Address | 3 COLLIERY DR, THURMONT, MD 21788-3103 |
| Document Number | 1783000048 |
| Book / Page | 17839 / 48 |
| Instrument Date | Apr 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 3 COLLIERY DR, THURMONT, MD 21788-3103 |
| Document Number | 1783000048, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 17839/48 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2066 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 18, 2021 |
| Property Address | 3 COLLIERY DR, THURMONT, MD 21788-3103 |
| Document Number | 0145610249 |
| Book / Page | 14561 / 249 |
| Map Reference | MB 35 PG 167 |
| Instrument Date | Feb 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 COLLIERY DR, THURMONT, MD 21788-3103 |
| Document Number | 14561255 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 14561/255 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | $288,500 (+9.1%) Land $52,000 Building $236,500 | $288,500 (-) Land $52,000 Building $236,500 | |
| 2025 | $4,054.00 (+9.51%) | $264,433 (+22.25%) | $288,500 (+33.38%) Land $52,000 Building $236,500 |
| 2024 | $3,702.00 (+11.64%) | ||
| 2023 | $3,316.00 | $216,300 Land $52,000 Building $164,300 | $216,300 Land $52,000 Building $164,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · tidal / storm surge |
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 | 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.
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 331 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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