421 Old Oak Pl, Thurmont, MD 21788 Property Records

Frederick County property record for 421 Old Oak Pl, Thurmont, MD 21788

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,320 sqft · built 1994
Lot Size	0.046 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Jul 2023)
Tax Bill	$3,397 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-353759`

Property Details

APN / Parcel Number

Primary APN	`15-353759`
Alternative APN	`353759`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	680 sqft
Utility Area	64 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	353759
Street Address	421 OLD OAK PL
City	THURMONT
State	MD
Zip	21788-1856
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R5
Legal Description	LOT 11 SECTION 1 2000 SQ. FT. FAIROAKS
Legal Subdivision	FAIROAKS
Legal Lot Number	11
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6009
Census Tract	753001

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	421 OLD OAK PL, THURMONT, MD 21788-1856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Aug 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 4, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 14, 2017	Deed, Transfer · FHA Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Book / Page	16520 / 352
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 17, 2023
Property Address	421 OLD OAK PL, THURMONT, MD 21788-1856
Document Number	0165200352
Book / Page	16520 / 352
Map Reference	MB 51 PG 77
Instrument Date	Jun 26, 2023
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
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	421 OLD OAK PL, THURMONT, MD 21788-1856

Mortgage

Document Number	0016520360
Date	Jul 17, 2023
Instrument	16520/360

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0165200381
Date	Jul 17, 2023
Book Page	16520/381

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	421 OLD OAK PL, THURMONT, MD 21788-1856
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160630430
Date	Aug 2, 2022
Book Page	16063/430

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	421 OLD OAK PL, THURMONT, MD 21788-1856
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 OLD OAK PL, THURMONT, MD 21788-1856

Mortgage

Document Number	0157080115
Date	Feb 4, 2022
Book Page	15708/115

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Jul 1, 2047

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 14, 2017
Property Address	421 OLD OAK PL, THURMONT, MD 21788-1856
Document Number	0119230217
Book / Page	11923 / 0217
Map Reference	MB51 PG77
Instrument Date	Jun 30, 2017
Instrument	11923-0217
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	421 OLD OAK PL, THURMONT, MD 21788-1856

Mortgage

Document Number	119230223
Date	Jul 14, 2017
Instrument	11923-0223

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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		$245,600 (+43.96%) Land $50,000 Building $195,600	$245,600 (+43.96%) Land $50,000 Building $195,600
2025	$3,397.00 (+28.97%)
2023	$2,634.00 (+2.49%)	$170,600 (+2.59%) Land $50,000 Building $120,600	$170,600 (-) Land $50,000 Building $120,600
2022	$2,570.00	$166,300	$170,600 Land $50,000 Building $120,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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	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.

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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