Frederick County property record for 41 Summit Ave, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,972 sqft · built 1940 |
| Lot Size | 0.434 acres (18,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (May 2021) |
| Tax Bill | $3,995 (2024) |
| Deeds & Mortgages | May 2020 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-317817 |
| Primary APN | 15-317817 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Utility Area | 48 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 18,900 sqft (0.434 acres) |
| Lot Dimensions | 210 ft deep x 90 ft wide |
| Porch | Open Porch |
| Porch Area | 202 sqft |
| Deck Area | 192 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Municipal |
| Account Number | 317817 |
|---|---|
| Street Address | 41 SUMMIT AVE |
| City | THURMONT |
| State | MD |
| Zip | 21788-1707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LTS 1 1/2 90 X 210 SUMMIT AVE. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 220 |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 753001 |
41 Summit Ave is owned and occupied by two individuals who bought it in May 2021.
Source: Frederick County records, as of August 4, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 SUMMIT AVE, THURMONT, MD 21788-1707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Line of Credit WOODSBORO BANK |
| May 25, 2021 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2021 · Amount on File |
| Deed Sale | May 25, 2021 · Amount on File |
| Prior Sale | Mar 9, 1984 · Amount on File |
| Deed Book / Page | 14923 / 26 |
| Prior Transfer Date | Apr 30, 2021 |
| Prior Transfer Doc | 0149230034 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 41 SUMMIT AVE, THURMONT, MD 21788-1707 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0137460472 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 13746/472 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 25, 2021 |
| Property Address | 41 SUMMIT AVE, THURMONT, MD 21788-1707 |
| Document Number | 0149230026 |
| Book / Page | 14923 / 26 |
| Instrument Date | Apr 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 41 SUMMIT AVE, THURMONT, MD 21788-1707 |
| Document Number | 0001492333 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 14923/33 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $288,900 | $317,900 Land $66,100 Building $251,800 | |
| 2024 | $3,995.00 (+13.04%) | ||
| 2023 | $3,534.00 | $230,900 Land $62,300 Building $168,600 | $230,900 Land $62,300 Building $168,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 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.
Wildfire risk around 41 Summit Ave 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures