509 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 509 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,746 sqft · built 1940
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,000 (Dec 2022)
Tax Bill	$4,318 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-319038`

Property Details

APN / Parcel Number

Primary APN	`15-319038`
Alternative APN	`319038`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,746 sqft Living Area
1st Floor Area	1,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,000 sqft (0.436 acres)
Lot Dimensions	250 ft deep x 76 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	319038
Street Address	509 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 76 X 250 509 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Lot Number	509
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3008
Census Tract	753002

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	509 E MAIN ST, THURMONT, MD 21788-1720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2022 · Amount on Record
Deed Sale	Dec 30, 2022 · Amount on Record
Prior Sale	Oct 20, 2003 · Amount on Record
Deed Book / Page	16278 / 482
Prior Transfer Date	May 25, 2010
Prior Transfer Doc	0078450235
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 30, 2022
Property Address	509 E MAIN ST, THURMONT, MD 21788-1720
Document Number	0162780482
Book / Page	16278 / 482
Instrument Date	Dec 21, 2022
Transaction Type	Transfer
Record Updated	Jan 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	509 E MAIN ST, THURMONT, MD 21788-1720

Mortgage

Document Number	0016278488
Date	Dec 30, 2022
Instrument	16278/488

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

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		$320,800 (+13.75%) Land $66,200 Building $254,600	$320,800 (-) Land $66,200 Building $254,600
2025	$4,318.00 (+15.3%)	$282,033 (+37.91%)	$320,800 (+56.87%) Land $66,200 Building $254,600
2024	$3,745.00 (+19.27%)
2023	$3,140.00	$204,500 Land $62,300 Building $142,200	$204,500 Land $62,300 Building $142,200

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	2 in force
Nearby Flood Claims	2 (2011–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2021 · rainfall accumulation

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	None beyond ember reach

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 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