Frederick County property record for 313 E Main St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,000 sqft · built 1900 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (May 2022) |
| Tax Bill | $2,279 (2023) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-344024 |
| Primary APN | 15-344024 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,000 sqft Total Area |
| 1st Floor Area | 560 sqft |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 4,792 sqft (0.11 acres) |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 344024 |
|---|---|
| Street Address | 313 E MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 0.11 AC 313 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Lot Number | 11 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 753002 |
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 | 313 E MAIN ST, THURMONT, MD 21788-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 16, 2019 | Grant Deed, Transfer EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2022 · Amount on Record |
| Deed Sale | May 17, 2022 · Amount on Record |
| Prior Sale | Oct 16, 2019 · Amount on Record |
| Deed Document Number | 0015926305 |
| Deed Book / Page | 15926 / 305 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 17, 2022 |
| Property Address | 313 E MAIN ST, THURMONT, MD 21788-2013 |
| Document Number | 0159260305 |
| Book / Page | 15926 / 305 |
| Instrument Date | Apr 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | NOT AVAILABLE, FRIENDS TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 E MAIN ST, THURMONT, MD 21788-2013 |
| Document Number | 0015926310 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 15926/310 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 16, 2019 |
| Property Address | 313 E MAIN ST, THURMONT, MD 21788-2013 |
| Document Number | 0132740103 |
| Book / Page | 013274 / 000103 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2019 |
| Title Company | MARYLAND TITLE WORKS UNLIMITED |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 313 E MAIN ST THURMONT MD 217882013, THURMONT, MD 21788-2013 |
| Document Number | 132740110 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 013274/000110 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 15, 2049 |
Source: Frederick County assessment roll, as of July 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $2,279.00 | $146,800 Land $52,000 Building $94,800 | $146,800 Land $52,000 Building $94,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
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 | None beyond ember reach |
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 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 |
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