704 E Main St, Thurmont, MD 21788 Property Records

Frederick County property record for 704 E Main St, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1962
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on File
Last Sale	$199,999 (Nov 2020)
Tax Bill	$2,297 (2023)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-332352`

Property Details

APN / Parcel Number

Primary APN	`15-332352`
Alternative APN	`332352`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	925 sqft Total Area
1st Floor Area	925 sqft
Utility Area	32 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1962
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,500 sqft (0.195 acres)
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	332352
Street Address	704 E MAIN ST
City	THURMONT
State	MD
Zip	21788-1727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 15 SEC 2.19 AC 704 E. MAIN ST. THURMONT
Legal Subdivision	THURMONT
Legal Block	240
Legal Lot Number	15
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2011
Census Tract	753001

Owner

Source: Frederick County records · APN 15-332352

Assessment roll updated July 1, 2023 · Last verified September 2023

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	704 E MAIN ST, THURMONT, MD 21788-1727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	May 27, 2015 · Amount on Record
Deed Document Number	0014293210
Deed Book / Page	14293 / 210
Record Updated	Jun 07, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 23, 2020
Property Address	704 E MAIN ST, THURMONT, MD 21788-1727
Document Number	0142930210
Book / Page	14293 / 210
Map Reference	MB 3 FO 126
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	704 E MAIN ST, THURMONT, MD 21788-1727

Mortgage

Document Number	14293215
Date	Nov 23, 2020
Instrument	14293/215

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$2,297.00	$148,000 Land $52,000 Building $96,000	$148,000 Land $52,000 Building $96,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), as of November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217530012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system MD0100023, 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.