7645 Black Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 7645 Black Rd, Thurmont, MD 21788 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1978
Lot Size	5.42 acres (236,095 sqft)
Owner	Individual Name on File
Last Sale	$310,300 (Jun 2019)
Tax Bill	$3,494 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-363797`

Property Details

APN / Parcel Number

Primary APN	`15-363797`
Alternative APN	`363797`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Total Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	236,095 sqft (5.42 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	144 sqft
Deck Area	250 sqft
Patio Area	225 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	363797
Street Address	7645 BLACK RD
City	THURMONT
State	MD
Zip	21788-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SECTION 1 5.42 ACRES ROCKS & STONES
Legal Subdivision	ROCKS & STONES SEC 1
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2008
Census Tract	752900

Owner

Source: Frederick County records · APN 15-363797

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	7645 BLACK RD, THURMONT, MD 21788-1006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 02, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 27, 2019	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Jul 22, 2005 · Amount on Record
Deed Document Number	0013056465
Deed Book / Page	13056 / 465
Record Updated	Jun 07, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7645 BLACK RD, THURMONT, MD 21788-1006
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136290492
Date	Apr 02, 2020
Book Page	13629/492

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 27, 2019
Property Address	7645 BLACK RD, THURMONT, MD 21788-1006
Document Number	0130560465
Book / Page	13056 / 0465
Map Reference	MB 78 PL 108
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	RESIDENTIAL T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,551.50
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	7645 BLACK RD, THURMONT, MD 21788-1006

Mortgage

Document Number	130560471
Date	Jun 27, 2019
Instrument	13056/0471

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2049

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
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	$3,494.00 Homeowner's exemption	$289,700 Land $118,600 Building $171,100	$289,700 Land $118,600 Building $171,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217529002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985, tidal / storm surge

Wildfire

Wildfire Risk	Low above 38% of the US · above 78% of Maryland
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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