621 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 621 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,906 sqft · built 1955
Lot Size	0.203 acres (8,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2019)
Tax Bill	$3,496 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-342641`

Property Details

APN / Parcel Number

Primary APN	`15-342641`
Alternative APN	`342641`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,906 sqft Living Area
Gross Area	2,146 sqft
1st Floor Area	1,206 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,840 sqft (0.203 acres)
Lot Dimensions	136 ft deep x 65 ft wide
Porch	Open Porch
Porch Area	112 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	342641
Street Address	621 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 65 X 136 621 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Block	150
Legal Lot Number	621
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	3
Census Block	3018
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	621 E MAIN ST, THURMONT, MD 21788-1723
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	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Sep 27, 2005 · Amount on Record
Deed Book / Page	13245 / 346
Record Updated	Oct 29, 2026

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 1, 2019
Property Address	621 E MAIN ST, THURMONT, MD 21788-1723
Document Number	0132450346
Book / Page	013245 / 000346
Instrument Date	Sep 24, 2019
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	621 E MAIN ST THURMONT MD 217881723, THURMONT, MD 21788-1723

Mortgage

Document Number	132450353
Date	Oct 1, 2019
Book Page	013245/000353

Lender

Name	DEPARTMENT OF HSNG SVCS
Address	PO BOX 66889, ST LOUIS, MO 63166-6889

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	456 Months
Due	Sep 30, 2057

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		$325,100 (+40.25%) Land $55,000 Building $270,100	$325,100 (+40.25%) Land $55,000 Building $270,100
2025	$3,496.00 (+64.67%)
2023	$2,123.00 Homeowner's exemption	$231,800 Land $52,000 Building $179,800	$231,800 Land $52,000 Building $179,800

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	Direct burnable vegetation

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

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