510 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 510 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,589 sqft · built 1915
Lot Size	0.398 acres (17,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,500 (Jun 2010)
Tax Bill	$4,653 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-318724`

Property Details

APN / Parcel Number

Primary APN	`15-318724`
Alternative APN	`318724`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,589 sqft Living Area
1st Floor Area	1,540 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,325 sqft (0.398 acres)
Lot Dimensions	275 ft deep x 63 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	580 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	318724
Street Address	510 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 63 X 275 510 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Block	230
Legal Lot Number	510
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2010
Census Tract	753001

Owner

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	510 E MAIN ST, THURMONT, MD 21788-1719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2010 · Amount on Record
Deed Sale	Jun 24, 2010 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Document Number	20102775
Deed Book / Page	7864 / 110
Prior Transfer Date	Feb 28, 2007
Prior Transfer Doc	0064860138
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	510 E MAIN ST, THURMONT, MD 21788-1719
Document Number	0120950069
Book / Page	012095 / 000069
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	VILLAGE SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	510 E MAIN ST THURMONT MD 217881719, THURMONT, MD 21788-1719

Mortgage

Document Number	0120950069
Date	Oct 23, 2017
Book Page	012095/000069

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 22, 2037

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		$394,200 (+11.3%) Land $64,900 Building $329,300	$394,200 (-) Land $64,900 Building $329,300
2025	$4,653.00 (+5.03%) Homeowner's exemption	$354,167 (+29.21%)	$394,200 (+43.82%) Land $64,900 Building $329,300
2024	$4,430.00 (+6.01%)
2023	$4,179.00 Homeowner's exemption	$274,100 Land $61,200 Building $212,900	$274,100 Land $61,200 Building $212,900

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	6 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · 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	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