Frederick County property record for 7192 Prospect Dr, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,244 sqft · built 1973 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,575 (2025) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-393491 |
| Primary APN | 20-393491 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| Gross Area | 1,782 sqft |
| 1st Floor Area | 1,244 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 31,363 sqft (0.72 acres) |
| Pool Area | 576 sqft |
| Porch | Enclosed Porch |
| Porch Area | 638 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 393491 |
|---|---|
| Street Address | 7192 PROSPECT DR |
| City | THURMONT |
| State | MD |
| Zip | 21788-2525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 16 BLK B SEC 1 PL .72 AC N/S PROSPECT DR FIRST ST MT PROS. EST |
| Legal Subdivision | FIRST ST MT PROS ESTATE |
| Legal Block | B |
| Legal Lot Number | 16 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 20, LEWISTOWN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 751302 |
7192 Prospect Dr is owned and occupied by two individuals who acquired it in April 2000.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7192 PROSPECT DR, THURMONT, MD 21788-2525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2000 |
| Deed Sale | Apr 3, 2000 |
| Deed Document Number | 20001723 |
| Deed Book / Page | 2695 / 1266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 7192 PROSPECT DR, THURMONT, MD 21788-2525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0126720438 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 12672/0438 |
| Name | MANUFACTURERS TRADERS TRUST CO |
|---|---|
| Type | Lending Institution |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 7192 Prospect Dr was $3,575.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $296,967 (+5.87%) | $329,900 (+17.61%) Land $118,500 Building $211,400 | |
| 2025 | $3,575.00 | $280,500 Land $84,400 Building $196,100 | $280,500 Land $84,400 Building $196,100 |
| 2023 | $2,543.00 | $249,500 | $280,500 Land $84,400 Building $196,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7192 Prospect Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.
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 | 5 in force |
| Nearby Flood Claims | 9 (1983–2021) |
| Most Recent Claim | Sep 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 7192 Prospect Dr is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 56 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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