Washington County property record for 479 Thames St, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,598 sqft · built 2014 |
| Lot Size | 0.23 acres (10,010 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Nov 2021) |
| Tax Bill | $458 (2026) |
| Deeds & Mortgages | Jun 2020 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-019953 |
| Primary APN | 17-019953 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,598 sqft Total Area |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,010 sqft (0.23 acres) |
| Garage Type | Mixed |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | 528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 019953 |
|---|---|
| Street Address | 479 THAMES ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-6771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMED |
| Legal Description | LOT 23 SEC B .230 AC 479 THAMES ST FAIRWAY MEADOWS SUB |
| Legal Subdivision | FAIRWAY MEADOWS SUB |
| Legal Lot Number | 23 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 17, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 11100 |
479 Thames St is owned and occupied by two individuals who bought it in November 2021.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 479 THAMES ST, HAGERSTOWN, MD 21740-6771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 15, 2020 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK & TRUST CO |
| Nov 4, 2021 | Deed, Transfer · VA Mortgage DAY ONE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2021 · Amount on File |
| Deed Sale | Nov 4, 2021 · Amount on File |
| Prior Sale | Jun 18, 1996 · Amount on File |
| Deed Book / Page | 6820 / 466 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 479 THAMES ST, HAGERSTOWN, MD 21740-6771 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 0062770130 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 6277/130 |
| Name | MANUFACTURERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Nov 4, 2021 |
| Property Address | 479 THAMES ST, HAGERSTOWN, MD 21740-6771 |
| Document Number | 0068200466 |
| Book / Page | 6820 / 466 |
| Map Reference | FO 885 |
| Instrument Date | Oct 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 479 THAMES ST, HAGERSTOWN, MD 21740-6771 |
| Document Number | 0006820472 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 6820/472 |
| Name | DAY ONE MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 479 Thames St was $458 with a homeowner's exemption, up 9.8% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $458.00 (+9.83%) Homeowner's exemption | $514,367 (+4.14%) | $555,300 (+12.43%) Land $65,000 Building $490,300 |
| 2025 | $417.00 Homeowner's exemption | $493,900 Land $65,000 Building $428,900 | $493,900 Land $65,000 Building $428,900 |
| 2023 | $2,700.00 Homeowner's exemption | $350,967 | $493,900 Land $65,000 Building $428,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 479 Thames St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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 | 4 in force |
| Nearby Flood Claims | 1 (1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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.
The area around 479 Thames St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) 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 209 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Antietam Cable Cable · Fiber in parts of the area | 1,300 / 50 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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