Frederick County property record for 405 E Main St, Thurmont, MD 21788
| Property Type | Commercial |
|---|---|
| Details | 1,446 sqft · built 1900 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $47,300 (Feb 1987) |
| Tax Bill | $101 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Mar 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-327995 |
| Primary APN | 15-327995 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,446 sqft Building Perimeter |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 1,307 sqft (0.03 acres) |
| View / Lot | Commercial/Industrial |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Account Number | 327995 |
|---|---|
| Street Address | 405 E MAIN ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-2015 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | VC |
| Legal Description | LT 0.03 AC 405 E. MAIN ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 14 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 753002 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 5411 VICEROY CT, FREDERICK, MD 21703-7041 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2024 | Deed, Transfer WOODSBORO BANK |
| Mar 15, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 1987 · Amount on Record |
| Deed Sale | Feb 11, 1987 · Amount on Record |
| Deed Book / Page | 1395 / 373 |
| Last Transfer Date | Mar 9, 2023 |
| Transfer Doc | 0163630304 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 5, 2024 |
| Property Address | 405 E MAIN ST, THURMONT, MD 21788-2015 |
| Document Number | 0167230209 |
| Book / Page | 16723 / 209 |
| Instrument Date | Dec 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | COMMUNITY TITLE NETWORK LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $605.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5411 VICEROY CT, FREDERICK, MD 21703-7041 |
| Document Number | 0167230215 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 16723/215 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 15, 2023 |
| Property Address | 405 E MAIN ST, THURMONT, MD 21788-2015 |
| Document Number | 0163630304 |
| Book / Page | 16363 / 304 |
| Instrument Date | Mar 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7622 OLD RECEIVER RD, FREDERICK, MD 21702-2753 |
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 | $7,800 (+15.85%) Land $7,800 | $7,800 (-) Land $7,800 | |
| 2025 | $101.00 (+18.82%) | $6,733 (+46.37%) Land $6,733 | $7,800 (+69.57%) Land $7,800 |
| 2024 | $85.00 (+25%) | ||
| 2023 | $68.00 | $4,600 Land $4,600 | $4,600 Land $4,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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