407 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 407 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,139 sqft · built 1945
Lot Size	0.266 acres (11,600 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2019)
Tax Bill	$4,775 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-328355`

Property Details

APN / Parcel Number

Primary APN	`15-328355`
Alternative APN	`328355`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,139 sqft Living Area
1st Floor Area	870 sqft
Attic	Attic
Attic Area	150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	200 ft deep x 58 ft wide
Porch	Open Porch
Porch Area	336 sqft
Deck Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	328355
Street Address	407 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 58 X 200 407 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Lot Number	407
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3009
Census Tract	753002

Owner

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	407 E MAIN ST, THURMONT, MD 21788-2015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Nov 15, 2019	Deed of Trust, Mortgage · FHA Mortgage GEORGE MASON MORTGAGE LLC
Oct 30, 2019	Deed, Transfer · FHA Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2019 · Amount on Record
Deed Sale	Oct 30, 2019 · Amount on Record
Prior Sale	Jun 16, 2016 · Amount on Record
Deed Book / Page	13309 / 325
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	407 E MAIN ST, THURMONT, MD 21788-2015
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	NOT AVAILABLE, SOURCEPOINT MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E MALN ST, THURMONT, MD 21788-2015

Mortgage

Document Number	0158630288
Date	Apr 19, 2022
Book Page	15863/288

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	407 E MAIN ST, THURMONT, MD 21788-2015
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133440027
Date	Nov 15, 2019
Book Page	13344/0027

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 30, 2019
Property Address	407 E MAIN ST, THURMONT, MD 21788-2015
Document Number	0133090325
Book / Page	13309 / 0325
Instrument Date	Oct 25, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
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	407 E MAIN ST, THURMONT, MD 21788-2015

Mortgage

Document Number	133090331
Date	Oct 30, 2019
Instrument	13309/0331

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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		$370,500 (+31.66%) Land $60,700 Building $309,800	$370,500 (+31.66%) Land $60,700 Building $309,800
2025	$4,775.00 (+11.36%)
2023	$4,288.00 Homeowner's exemption	$281,400 Land $57,100 Building $224,300	$281,400 Land $57,100 Building $224,300

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

407 E Main St, Thurmont, MD 21788 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Main St

Nearby Streets

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