Frederick County property record for 402 E Main St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,760 sqft · built 1915 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (May 2024) |
| Tax Bill | $4,461 (2025) |
| Deeds & Mortgages | May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-318686 |
| Primary APN | 15-318686 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,760 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Area | 570 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 245 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 318686 |
|---|---|
| Street Address | 402 E MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-2046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 0.90 AC 402 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 220 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 753001 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14828 SABILLASVILLE RD, THURMONT, MD 21788-1619 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2024 · Amount on Record |
| Deed Sale | May 13, 2024 · Amount on Record |
| Deed Book / Page | 16860 / 457 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 13, 2024 |
| Property Address | 402 E MAIN ST, THURMONT, MD 21788-2046 |
| Document Number | 0168600457 |
| Book / Page | 16860 / 457 |
| Instrument Date | May 10, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | CREEKSIDE TITLE, CREEKSIDE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 14828 SABILLASVILLE RD, THURMONT, MD 21788-1619 |
| Document Number | 0016860463 |
|---|---|
| Date | May 13, 2024 |
| Instrument | 16860/463 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $322,400 (+40.3%) Land $81,400 Building $241,000 | $322,400 (+40.3%) Land $81,400 Building $241,000 | |
| 2025 | $4,461.00 (+26.81%) | ||
| 2023 | $3,518.00 | $229,800 Land $76,700 Building $153,100 | $229,800 Land $76,700 Building $153,100 |
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 | 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.
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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