Frederick County property record for 3 William Dr, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,932 sqft · built 2000 |
| Lot Size | 0.233 acres (10,150 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (May 2021) |
| Tax Bill | $3,814 (2024) |
| Deeds & Mortgages | May 2022 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-359714 |
| Primary APN | 15-359714 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,932 sqft Living Area |
| 1st Floor Area | 1,004 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,150 sqft (0.233 acres) |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 359714 |
|---|---|
| Street Address | 3 WILLIAM DR |
| City | THURMONT |
| State | MD |
| Zip | 21788-1756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 1606 SECT 6 PLAT 1 10,150 SQ. FT. WOODLAND PARK |
| Legal Subdivision | WOODLAND PARK SEC 06 01 |
| Legal Lot Number | 1606 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 753001 |
Source: Frederick County records, as of March 30, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3 WILLIAM DR, THURMONT, MD 21788-1756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| May 20, 2022 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| May 7, 2021 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2021 · Amount on Record |
| Deed Sale | May 7, 2021 · Amount on Record |
| Prior Sale | Sep 4, 2012 · Amount on Record |
| Deed Book / Page | 14854 / 226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3 WILLIAM DR, THURMONT, MD 21788-1756 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0159320044 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 15932/44 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 7, 2021 |
| Property Address | 3 WILLIAM DR, THURMONT, MD 21788-1756 |
| Document Number | 0148540226 |
| Book / Page | 14854 / 226 |
| Map Reference | MB 66 PG 109 |
| Instrument Date | Apr 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3 WILLIAM DR, THURMONT, MD 21788-1756 |
| Document Number | 14854234 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 14854/234 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $276,267 (+25.92%) | $304,700 (+38.88%) Land $56,100 Building $248,600 | |
| 2024 | $3,814.00 (+13.44%) | ||
| 2023 | $3,362.00 | $219,400 Land $56,100 Building $163,300 | $219,400 Land $56,100 Building $163,300 |
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 | 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 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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