305 Stull Ct, Thurmont, MD 21788 Property Records

Frederick County property record for 305 Stull Ct, Thurmont, MD 21788

Property Summary

Property Type	Townhouse
Details	2 ba · 1,334 sqft · built 1997
Lot Size	0.053 acres (2,321 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Nov 2016)
Tax Bill	$3,168 (2023)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-357215`

Property Details

APN / Parcel Number

Primary APN	`15-357215`
Alternative APN	`357215`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,334 sqft Total Area
1st Floor Area	690 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,321 sqft (0.053 acres)
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	357215
Street Address	305 STULL CT
City	THURMONT
State	MD
Zip	21788-3314
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R5
Legal Description	LOT 18 SEC. 4 PLAT 1 2,321 SQ. FT. ALBERT COURTS
Legal Subdivision	ALBERT COURTS
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	4
Census Block	4008
Census Tract	753002

Owner

305 Stull Ct, a townhouse, is owned and occupied by an individual who bought it in November 2016.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Mailing Address	305 STULL CT, THURMONT, MD 21788-3314
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2016 · Amount on File
Deed Sale	Nov 16, 2016 · Amount on File
Prior Sale	Sep 16, 2014 · Amount on File
Deed Document Number	0001150464
Deed Book / Page	11504 / 64
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	305 STULL CT, THURMONT, MD 21788-3314
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151460416
Date	Aug 2, 2021
Book Page	15146/416

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

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	$3,168.00 Homeowner's exemption	$206,400 Land $50,000 Building $156,400	$206,400 Land $50,000 Building $156,400

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

Flood

FEMA maps place 305 Stull Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	2 (2018–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2026 · 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

Wildfire risk around 305 Stull 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	Indirect within ember reach

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 198 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20