3 Todd Ct, Thurmont, MD 21788 Property Records

Frederick County property record for 3 Todd Ct, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,164 sqft · built 1999
Lot Size	0.278 acres (12,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,550 (Jul 1999)
Tax Bill	$6,227 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-358270`

Property Details

APN / Parcel Number

Primary APN	`15-358270`
Alternative APN	`358270`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,212 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,117 sqft (0.278 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	170 sqft
Deck Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	358270
Street Address	3 TODD CT
City	THURMONT
State	MD
Zip	21788-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 217 SECTION 2 12,117 SQ. FT. BENNETT ESTATES
Legal Subdivision	BENNETT ESTATES
Legal Lot Number	217
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	5
Census Block	5003
Census Tract	753001

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3 TODD CT, THURMONT, MD 21788-2227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 1999 · Amount on Record
Deed Sale	Jul 22, 1999 · Amount on Record
Deed Document Number	19994547
Deed Book / Page	2609 / 777
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3 TODD CT, THURMONT, MD 21788-2227
Document Number	0138860288
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 TODD CT THURMONT MD 217882227, THURMONT, MD 21788-2227

Mortgage

Document Number	0138860288
Date	Jul 10, 2020
Book Page	013886/000288

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2035

Tax Assessment & Valuation

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		$455,600 (+43.9%) Land $61,000 Building $394,600	$455,600 (+43.9%) Land $61,000 Building $394,600
2025	$6,227.00 (+29.38%)
2023	$4,813.00	$316,600 Land $57,500 Building $259,100	$316,600 Land $57,500 Building $259,100

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 · 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	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

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.

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 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