54 E Moser Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 54 E Moser Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,530 sqft · built 1976
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Sep 2026)
Tax Bill	$5,676 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-338555`

Property Details

APN / Parcel Number

Primary APN	`15-338555`
Alternative APN	`338555`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,530 sqft Living Area
Gross Area	3,154 sqft
1st Floor Area	1,730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.46 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	595 sqft
Deck Area	274 sqft
Patio Area	374 sqft
Bath House	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	338555
Street Address	54 E MOSER RD
City	THURMONT
State	MD
Zip	21788-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 0.46 AC MOSER RD. THURMONT
Legal Subdivision	THURMONT
Legal Block	280
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	6
Census Block	6009
Census Tract	753001

Owner

Source: Frederick County records, as of September 14, 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	54 E MOSER RD, THURMONT, MD 21788-1807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
Jun 29, 2023	Deed, Transfer
Sep 10, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 12, 2018	Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Jul 12, 2018 · Amount on Record
Deed Book / Page	18033 / 207
Prior Transfer Date	Aug 3, 2026
Prior Transfer Doc	1803000207
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 2, 2026
Property Address	54 E MOSER RD, THURMONT, MD 21788-1807
Document Number	1803000207
Book / Page	18033 / 207
Instrument Date	Aug 3, 2026
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464,600.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	54 E MOSER RD, THURMONT, MD 21788-1807

Mortgage

Document Number	1803000214,
Date	Sep 2, 2026
Book Page	18033/214

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2023
Property Address	54 E MOSER RD, THURMONT, MD 21788-1807
Document Number	0165040034
Book / Page	16504 / 34
Map Reference	MB 8 PG 114
Instrument Date	Nov 11, 2022
Transaction Type	Transfer
Record Updated	Jul 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	54 E MOSER RD, THURMONT, MD 21788-1807

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	54 E MOSER RD, THURMONT, MD 21788-1807
Document Number	0126690245
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 25, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 E MOSER RD THURMONT MD 217881807, THURMONT, MD 21788-1807

Mortgage

Document Number	0126690245
Date	Oct 15, 2018
Book Page	012669/000245

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

Interest

Rate Type	Adjustable Rate

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 12, 2018
Property Address	54 E MOSER RD, THURMONT, MD 21788-1807
Document Number	0125130327
Book / Page	12513 / 0327
Map Reference	MB8 PG114
Instrument Date	Jul 6, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 E MOSER RD, THURMONT, MD 21788-1807

Mortgage

Document Number	0012513335
Date	Jul 12, 2018
Instrument	12513/335

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$443,000 (+8.8%) Land $67,000 Building $376,000	$443,000 (-) Land $67,000 Building $376,000
2025	$5,676.00 (+11.4%) Homeowner's exemption	$407,167 (+21.36%)	$443,000 (+32.04%) Land $67,000 Building $376,000
2023	$5,095.00 (+4.13%) Homeowner's exemption	$335,500 (+4.2%) Land $63,100 Building $272,400	$335,500 (-) Land $63,100 Building $272,400
2022	$4,893.00 Homeowner's exemption	$321,967	$335,500 Land $63,100 Building $272,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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