401 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 401 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1910
Lot Size	0.158 acres (6,924 sqft)
Owner	Individual Name on Record
Last Sale	$229,500 (Oct 2020)
Tax Bill	$2,308 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-324503`

Property Details

APN / Parcel Number

Primary APN	`15-324503`
Alternative APN	`324503`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,296 sqft Total Area
1st Floor Area	648 sqft

Exterior

Year Built	Built 1910
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Metal
Lot Area	6,924 sqft (0.158 acres)
Porch	Enclosed Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	324503
Street Address	401 E MAIN ST
City	THURMONT
State	MD
Zip	21788-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 6,24 SQ. FT. 401 E. MAIN STREET THURMONT
Legal Subdivision	THURMONT
Legal Lot Number	6 24
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3011
Census Tract	753002

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	401 E MAIN ST, THURMONT, MD 21788-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	0001421659
Deed Book / Page	14216 / 59
Record Updated	Jun 7, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 29, 2020
Property Address	401 E MAIN ST, THURMONT, MD 21788-2015
Document Number	0142160059
Book / Page	14216 / 59
Instrument Date	Oct 22, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WORLDWIDE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$573.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	401 E MAIN ST, THURMONT, MD 21788-2015

Mortgage

Document Number	1421665
Date	Oct 29, 2020
Instrument	14216/65

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$2,308.00	$148,800 Land $52,000 Building $96,800	$148,800 Land $52,000 Building $96,800

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 minimal risk
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.

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	None beyond 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 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