Washington County property record for 431 Thames St, Hagerstown, MD 21740 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 1990 |
| Square Footage | 2,233 sqft Total Area |
| Lot Size | 13,372 sqft (0.307 acres) |
| Garage | Mixed, 441 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $239,000 (2016) |
Source: Washington County records · APN 17-019872
Assessment roll updated August 4, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 431 THAMES ST, HAGERSTOWN, MD 21740-6769 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 16, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA FSB |
| Nov 10, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 28, 2016 · Amount on Record |
| Deed Sale | Dec 28, 2016 · Amount on Record |
| Prior Sale | Nov 04, 1999 · Amount on Record |
| Deed Doc Number | 20165403-0198 |
| Deed Book / Page | 5403 / 198 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 431 THAMES ST, HAGERSTOWN, MD 21740-6769 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0064250459 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 6425/459 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 431 THAMES ST, HAGERSTOWN, MD 21740-6769 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0068270483 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 6827/483 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $358,467 (+25.1%) | $375,800 (+7.43%) Land $66,600 Building $309,200 | |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $286,533 | $349,800 Land $66,600 Building $283,200 |
Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 17-019872 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,233 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,372 sqft (0.307 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 441 sqft Garage |
| Deck Area | 250 sqft Deck |
| Porch Area | 180 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 019872 |
|---|---|
| Street Address | 431 THAMES ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-6769 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 16 SEC B .307 AC 431 THAMES ST FAIRWAY MEADOWS SUB |
| Legal Subdivision | FAIRWAY MEADOWS SUB |
| Legal Lot Number | 16 |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 17, HAGERSTOWN |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 11100 |
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