36 Frederick Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 36 Frederick Rd, Thurmont, MD 21788

Property Summary

Property Type	Commercial
Details	1 ba · 1,296 sqft · built 1972
Lot Size	0.513 acres (22,342 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jun 2022)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-327499`

Property Details

APN / Parcel Number

Primary APN	`15-327499`
Alternative APN	`327499`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Gross Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,342 sqft (0.513 acres)
View / Lot	Commercial/Industrial
Garage Area	864 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	327499
Street Address	36 FREDERICK RD
City	THURMONT
State	MD
Zip	21788-1809
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	VC
Legal Description	LT 0.5136 ACRE 36 FREDERICK RD. THURMONT
Legal Subdivision	THURMONT
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6008
Census Tract	753001

Owner

36 Frederick Rd, a commercial property, is owned by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	36 FREDERICK RD, THURMONT, MD 21788-1809
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

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Construction Mortgage WOODSBORO BANK
Jun 30, 2022	Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Prior Sale	Oct 15, 2014 · Amount on File
Deed Book / Page	16012 / 1
Transfer Doc	0000006201
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	36 FREDERICK RD, THURMONT, MD 21788-1809
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0176170394
Date	Nov 25, 2025
Book Page	17617/394

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Dec 1, 2036
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year T-Bill
Max Rate	12.6%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 30, 2022
Property Address	36 FREDERICK RD, THURMONT, MD 21788-1809
Document Number	0160120001
Book / Page	16012 / 1
Map Reference	MB 59 PG 55
Instrument Date	Jun 27, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	36 FREDERICK RD, THURMONT, MD 21788-1809

Mortgage

Document Number	0000160127
Date	Jun 30, 2022
Instrument	16012/7

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 36 Frederick Rd was $3,903.

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		$278,800 Land $68,700 Building $210,100	$278,800 Land $68,700 Building $210,100
2025	$3,903.00
2023	$3,155.00	$205,500 Land $64,700 Building $140,800	$205,500 Land $64,700 Building $140,800

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

Flood

FEMA maps place 36 Frederick Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 36 Frederick Rd 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
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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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