7196 Prospect Dr, Thurmont, MD 21788 Property Records

Frederick County property record for 7196 Prospect Dr, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,948 sqft · built 1973
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Aug 2018)
Tax Bill	$3,963 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-398523`

Property Details

APN / Parcel Number

Primary APN	`20-398523`
Alternative APN	`398523`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,948 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.72 acres)
Deck Area	80 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	398523
Street Address	7196 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 18 BLK B SEC 1 PL .72 AC PROSPECT DR. 1ST. MT PROSPECT EST.
Legal Subdivision	MOUNTAIN PROSPECT ESTATES
Legal Block	B
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	20, LEWISTOWN
Census Block Group	2
Census Block	2015
Census Tract	751302

Owner

7196 Prospect Dr is owned and occupied by two individuals who bought it in August 2018.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7196 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.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Aug 24, 2018	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Jun 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 16, 2017	Quit Claim Deed, Transfer FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on File
Deed Sale	Aug 24, 2018 · Amount on File
Prior Sale	Nov 20, 2014 · Amount on File
Deed Book / Page	12589 / 59
Prior Transfer Date	Jan 4, 2017
Prior Transfer Doc	0118750119
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7196 PROSPECT DR, THURMONT, MD 21788-2525
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135260410
Date	Feb 13, 2020
Book Page	13526/0410

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7196 PROSPECT DR, THURMONT, MD 21788-2525
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154950163
Date	Nov 15, 2021
Book Page	15495/163

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 24, 2018
Property Address	7196 PROSPECT DR, THURMONT, MD 21788-2525
Document Number	0125890059
Book / Page	12589 / 0059
Map Reference	MB7 PG9
Instrument Date	Aug 13, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7196 PROSPECT DR, THURMONT, MD 21788-2525

Mortgage

Document Number	0001258965
Date	Aug 24, 2018
Instrument	12589/65

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 16, 2017
Property Address	7196 PROSPECT DR, THURMONT, MD 21788-2525
Document Number	0118750119
Book / Page	011875 / 000119
Instrument Date	Apr 1, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7196 PROSPECT DR THURMONT MD 217882525, THURMONT, MD 21788-2525

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 16, 2017
Property Address	7196 PROSPECT DR, THURMONT, MD 21788-2525
Document Number	0118750118
Book / Page	011875 / 000118
Instrument Date	Jan 4, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7196 PROSPECT DR THURMONT MD 217882525, THURMONT, MD 21788-2525

Tax Assessment & Valuation

The 2025 property tax bill for 7196 Prospect Dr was $3,963 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$333,900	$369,300 Land $118,500 Building $250,800
2025	$3,963.00
2023	$3,465.00 Homeowner's exemption	$285,000	$316,200 Land $84,400 Building $231,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7196 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	Severe Storms And Flooding, Jan 1996 · 2 claims

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

Wildfire risk around 7196 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.

Internet Providers

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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