511 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 511 E Main St, Thurmont, MD 21788 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,322 sqft · built 1945
Lot Size	0.58 acres (25,264 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Dec 2023)
Tax Bill	$4,014 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-324554`

Property Details

APN / Parcel Number

Primary APN	`15-324554`
Alternative APN	`324554`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,322 sqft Living Area
1st Floor Area	1,522 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,264 sqft (0.58 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	324554
Street Address	511 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT .58 AC 511 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Lot Number	58
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3008
Census Tract	753002

Owner

Source: Frederick County records · APN 15-324554

Assessment roll updated August 4, 2025 · Last verified April 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	511 E MAIN ST, THURMONT, MD 21788-1720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 05, 2026	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Dec 13, 2023	Deed, Transfer · Conventional Mortgage M & T BANK
Apr 17, 2023	Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Prior Sale	Apr 17, 2023 · Amount on Record
Deed Book / Page	16699 / 438
Prior Transfer Date	Apr 19, 2016
Prior Transfer Doc	0111130486
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	511 E MAIN ST, THURMONT, MD 21788-1720
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E MAIN ST, THURMONT, MD 21788-1720

Mortgage

Document Number	0177110134
Date	Feb 05, 2026
Book Page	17711/134

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2056

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 13, 2023
Property Address	511 E MAIN ST, THURMONT, MD 21788-1720
Document Number	0166990438
Book / Page	16699 / 438
Instrument Date	Dec 08, 2023
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	UNLIMITED TITLE SERVICES LLC, UNITED TITLE SERVICE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,949.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	511 E MAIN ST, THURMONT, MD 21788-1720

Mortgage

Document Number	0016699445
Date	Dec 13, 2023
Instrument	16699/445

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 17, 2023
Property Address	511 E MAIN ST, THURMONT, MD 21788-1720
Document Number	0164040341
Book / Page	16404 / 341
Instrument Date	Apr 13, 2023
Transaction Type	Transfer
Record Updated	May 02, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$1,150.00
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	511 E MAIN ST, THURMONT, MD 21788-1720

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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

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
2025		$322,067 (+60.87%)	$383,000 (+91.31%) Land $70,900 Building $312,100
2024	$4,014.00 (+30.49%)
2023	$3,076.00	$200,200 Land $66,800 Building $133,400	$200,200 Land $66,800 Building $133,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217530023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 308 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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