3 Frederick Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 3 Frederick Rd, Thurmont, MD 21788

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 2,064 sqft · built 1900
Lot Size	0.063 acres (2,760 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Oct 2023)
Tax Bill	$2,850 (2023)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15-328452`

Property Details

APN / Parcel Number

Primary APN	`15-328452`
Alternative APN	`328452`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,064 sqft Total Area
Gross Area	1,884 sqft

Exterior

Year Built	Built 1900
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,760 sqft (0.063 acres)
Lot Dimensions	60 ft deep x 45 ft wide
Porch	Open Porch
Porch Area	152 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	328452
Street Address	3 FREDERICK RD
City	THURMONT
State	MD
Zip	21788-1851
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	TB
Legal Description	LT 45 X 60 3 FRED'K RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	180
Legal Lot Number	45
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3007
Census Tract	753001

Owner

Source: Frederick County records, as of October 31, 2023

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
Co-owner	Co-owner on Record
Mailing Address	3 FREDERICK RD, THURMONT, MD 21788-1851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2023	Deed, Construction Loan · Construction Mortgage NATIONAL HOUSING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	May 16, 2023 · Amount on Record
Deed Document Number	0016642472
Deed Book / Page	16642 / 472
Record Updated	Jun 7, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 20, 2023
Property Address	3 FREDERICK RD, THURMONT, MD 21788-1851
Document Number	0166420472
Book / Page	16642 / 472
Instrument Date	Oct 17, 2023
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	KENSINGTON REALTY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3 FREDERICK RD, THURMONT, MD 21788-1851

Mortgage

Document Number	0016642478
Date	Oct 20, 2023
Instrument	16642/478

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2023: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 16, 2023
Property Address	3 FREDERICK RD, THURMONT, MD 21788-1851
Document Number	0164400242
Book / Page	16440 / 242
Instrument Date	Apr 17, 2023
Transaction Type	Construction Loan
Record Updated	May 29, 2023
Title Company	KENSINGTON REALTY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,346.43
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	14802 OLD COLUMBIA PIKE, BURTONSVILLE, MD 20866-1736

Mortgage

Document Number	0016440246
Date	May 16, 2023
Instrument	16440/246

Lender

Name	NATIONAL HOUSING LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$2,850.00	$185,100 Land $56,000 Building $129,100	$185,100 Land $56,000 Building $129,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

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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