Frederick County property record for 7 Windward Ct, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,760 sqft · built 1990 |
| Lot Size | 0.068 acres (2,963 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $254,000 (Dec 2024) |
| Tax Bill | $3,573 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Apr 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-351047 |
| Primary APN | 15-351047 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Townhouse |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 2,963 sqft (0.068 acres) |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 351047 |
|---|---|
| Street Address | 7 WINDWARD CT |
| City | THURMONT |
| State | MD |
| Zip | 21788-1666 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 4 BLK. A 2963 SQ. FT. CATOCTIN MEADOWS |
| Legal Subdivision | CATOCTIN MDWS |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 752900 |
Source: Frederick County records, as of October 19, 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 | 11652 RANCH LN, NORTH POTOMAC, MD 20878-3831 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 4, 2026 | Intrafamily Transfer, Transfer |
| Apr 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 30, 2020 | Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on Record |
| Deed Sale | Dec 23, 2024 · Amount on Record |
| Prior Sale | Oct 30, 2020 · Amount on Record |
| Deed Book / Page | 17162 / 98 |
| Last Transfer Date | Oct 28, 2025 |
| Transfer Doc | 0177100186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 4, 2026 |
| Property Address | 7 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0177100186 |
| Book / Page | 17710 / 186 |
| Instrument Date | Oct 28, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11652 RANCH LN, NORTH POTOMAC, MD 20878-3831 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11652 RANCH LN, NORTH POTOMAC, MD 20878-3831 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 7 WINDWARD CT, THURMONT, MD 21788-1666 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 7 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0164000361 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 16400/361 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 30, 2020 |
| Property Address | 7 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 0142200218 |
| Book / Page | 14220 / 218 |
| Map Reference | MB 45 PL 94 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $545.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 7 WINDWARD CT, THURMONT, MD 21788-1666 |
| Document Number | 14220225 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 14220/225 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $253,500 (+9.09%) Land $50,000 Building $203,500 | $253,500 (-) Land $50,000 Building $203,500 | |
| 2025 | $3,573.00 (+22.15%) | $232,367 (+22.23%) | $253,500 (+33.35%) Land $50,000 Building $203,500 |
| 2023 | $2,925.00 | $190,100 Land $50,000 Building $140,100 | $190,100 Land $50,000 Building $140,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Nov 1985 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 210 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 |
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