620 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 620 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1962
Lot Size	0.183 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2026)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-318937`

Property Details

APN / Parcel Number

Primary APN	`15-318937`
Alternative APN	`318937`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	925 sqft Total Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1962
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.183 acres)
Garage Type	Carport
Garage Area	325 sqft
Carport	Carport
Carport Area	325 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	318937
Street Address	620 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT #3, SEC. 2, 0.18 620 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Block	240
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2012
Census Tract	753001

Owner

Source: Frederick County records · APN 15-318937

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	620 E MAIN ST, THURMONT, MD 21788-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 08, 2026 · Amount on Record
Deed Sale	Jan 08, 2026 · Amount on Record
Prior Sale	Jun 16, 2011 · Amount on Record
Deed Document Number	0017676220
Deed Book / Page	17676 / 220
Record Updated	Jun 08, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 08, 2026
Property Address	620 E MAIN ST, THURMONT, MD 21788-1724
Document Number	0176760220
Book / Page	17676 / 220
Map Reference	MB 3 PL 126
Instrument Date	Dec 31, 2025
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E MAIN ST, THURMONT, MD 21788-1724

Mortgage

Document Number	0017676226
Date	Jan 08, 2026
Instrument	17676/226

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2025 · Last verified January 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,124.00 (+10.68%) Homeowner's exemption	$142,233 (+15.92%)	$152,000 (+23.88%) Land $55,000 Building $97,000
2023	$1,919.00 Homeowner's exemption	$122,700 Land $52,000 Building $70,700	$122,700 Land $52,000 Building $70,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 337 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF THURMONT serves 6,200 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.