31 Summit Ave, Thurmont, MD 21788 Property Records

Frederick County property record for 31 Summit Ave, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,228 sqft · built 2005
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$393,110 (May 2005)
Tax Bill	$6,270 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-329149`

Property Details

APN / Parcel Number

Primary APN	`15-329149`
Alternative APN	`329149`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,228 sqft Living Area
Gross Area	2,628 sqft
1st Floor Area	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	200 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	329149
Street Address	31 SUMMIT AVE
City	THURMONT
State	MD
Zip	21788-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 60 X 200 SUMMIT AVE. THURMONT
Legal Subdivision	THURMONT
Legal Block	23
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2000
Census Tract	753001

Owner

31 Summit Ave is owned and occupied by two individuals who bought it in May 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 SUMMIT AVE, THURMONT, MD 21788-1707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	2 Names on Deed
Last Sale	May 23, 2005 · Amount on File
Deed Sale	May 23, 2005 · Amount on File
Prior Sale	Nov 18, 2004 · Amount on File
Deed Document Number	200553641
Deed Book / Page	5323 / 446
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	31 SUMMIT AVE, THURMONT, MD 21788-1707
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	LAWYERS SIGNATURE STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SUMMIT AVE, THURMONT, MD 21788-1707

Mortgage

Document Number	0155340374
Date	Dec 3, 2021
Book Page	15534/374

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 31 Summit Ave was $6,270.

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		$461,700 Land $61,000 Building $400,700	$461,700 Land $61,000 Building $400,700
2025	$6,270.00
2023	$4,761.00	$313,100 Land $57,400 Building $255,700	$313,100 Land $57,400 Building $255,700

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

Flood

FEMA maps place 31 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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.

Wildfire

Wildfire risk around 31 Summit Ave 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.

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 308 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20