Frederick County property record for 3 Windward Ct, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,760 sqft · built 1990 |
| Lot Size | 0.066 acres (2,870 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Sep 2021) |
| Tax Bill | $3,603 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-351020 |
| Primary APN | 15-351020 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,870 sqft (0.066 acres) |
| Deck Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 351020 |
|---|---|
| Street Address | 3 WINDWARD CT |
| City | THURMONT |
| State | MD |
| Zip | 21788-1666 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 2 BLK. A 2870 SQ. FT. CATOCTIN MEADOWS |
| Legal Subdivision | CATOCTIN MEADOWS |
| Legal Block | A |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 752900 |
3 Windward Ct, a townhouse, is owned by an individual who bought it in September 2021.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 901, NORTH BEACH, MD 20714-0901 |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed, Transfer · USDA Mortgage INTEGRITY HOME MORTGAGE CORP |
| Apr 29, 2021 | Deed, Transfer · Stand-Alone First Mortgage FCB BANKS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on File |
| Deed Sale | Sep 7, 2021 · Amount on File |
| Prior Sale | Apr 29, 2021 · Amount on File |
| Deed Book / Page | 15261 / 5 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 7, 2021 |
| Property Address | 3 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0152610005 |
| Book / Page | 15261 / 5 |
| Map Reference | MB 45 PG 94 |
| Instrument Date | Aug 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0001526111 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 15261/11 |
| Name | INTEGRITY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 29, 2021 |
| Property Address | 3 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0148220281 |
| Book / Page | 14822 / 281 |
| Map Reference | MB 45 PG 94 |
| Instrument Date | Apr 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | KP TITLE SOLUTIONS, KEY TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2662 MONOCACY FORD RD, FREDERICK, MD 21701-6809 |
| Document Number | 0014822287 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 14822/287 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3 Windward Ct was $3,603.
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 | $260,000 Land $50,000 Building $210,000 | $260,000 Land $50,000 Building $210,000 | |
| 2025 | $3,603.00 | ||
| 2023 | $2,819.00 | $183,000 Land $50,000 Building $133,000 | $183,000 Land $50,000 Building $133,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Windward Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 (1985) |
| Most Recent Claim | Nov 1985 · 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.
Wildfire risk around 3 Windward Ct 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 | Direct burnable vegetation |
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 210 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 |
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