31 E Moser Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 31 E Moser Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,400 sqft · built 1976
Lot Size	0.411 acres (17,946 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Aug 2023)
Tax Bill	$4,683 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`15-332611`

Property Details

APN / Parcel Number

Primary APN	`15-332611`
Alternative APN	`332611`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Total Area
1st Floor Area	1,400 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Split Foyer
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	17,946 sqft (0.411 acres)
Porch	Open Porch
Porch Area	350 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	332611
Street Address	31 E MOSER RD
City	THURMONT
State	MD
Zip	21788-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 0.412 AC MOSER RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	270
Legal Lot Number	412
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6008
Census Tract	753001

Owner

Source: Frederick County records, as of September 25, 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
Mailing Address	31 E MOSER RD, THURMONT, MD 21788-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on Record
Deed Sale	Aug 7, 2023 · Amount on Record
Prior Sale	Oct 30, 2014 · Amount on Record
Deed Document Number	0016547459
Deed Book / Page	16547 / 459
Record Updated	Jun 7, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 7, 2023
Property Address	31 E MOSER RD, THURMONT, MD 21788-1808
Document Number	0165470459
Book / Page	16547 / 459
Map Reference	MB 14 FO 107
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2651 WARREN WAY, FREDERICK, MD 21701-3288

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	31 E MOSER RD, THURMONT, MD 21788-1808

Mortgage

Document Number	0016547466
Date	Aug 7, 2023
Instrument	16547/466

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	31 E MOSER RD, THURMONT, MD 21788-1808
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E MOSER RD, THURMONT, MD 21788-1808

Mortgage

Document Number	0154560416
Date	Nov 2, 2021
Book Page	15456/416

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Aug 1, 2036

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	$4,683.00 (+3.77%)	$307,900 (+3.84%) Land $61,600 Building $246,300	$307,900 (-) Land $61,600 Building $246,300
2022	$4,513.00	$296,500	$307,900 Land $61,600 Building $246,300

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on E Moser Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures