5 Windward Ln, Thurmont, MD 21788 Property Records

Frederick County property record for 5 Windward Ln, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1991
Lot Size	0.184 acres (8,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Feb 2016)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-350911`

Property Details

APN / Parcel Number

Primary APN	`15-350911`
Alternative APN	`350911`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,632 sqft
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,018 sqft (0.184 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	350911
Street Address	5 WINDWARD LN
City	THURMONT
State	MD
Zip	21788-1671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 3 SEC 1 PLAT 2 0.184 ACRE CATOCTIN MEADOWS
Legal Subdivision	CATOCTIN MDWS SEC 01 02
Legal Block	A
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2076
Census Tract	752900

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	2 Individual Names on Record
Mailing Address	5 WINDWARD LN, THURMONT, MD 21788-1671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2016 · Amount on Record
Deed Sale	Feb 25, 2016 · Amount on Record
Prior Sale	Apr 18, 1997 · Amount on Record
Deed Book / Page	11005 / 298
Last Transfer Date	Sep 28, 2021
Transfer Doc	0154130160
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 21, 2021
Property Address	5 WINDWARD LN, THURMONT, MD 21788-1671
Document Number	0154130160
Book / Page	15413 / 160
Map Reference	MB 45 PL 95
Instrument Date	Sep 28, 2021
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 WINDWARD LN, THURMONT, MD 21788-1671

Mortgage

Document Number	15413164
Date	Oct 21, 2021
Instrument	15413/164

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

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		$298,700 (+10.28%) Land $52,000 Building $246,700	$298,700 (-) Land $52,000 Building $246,700
2025	$4,151.00 (+10.93%)	$270,867 (+25.87%)	$298,700 (+38.8%) Land $52,000 Building $246,700
2024	$3,742.00 (+13.39%)
2023	$3,300.00	$215,200 Land $52,000 Building $163,200	$215,200 Land $52,000 Building $163,200

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20