7649 Black Rd, Thurmont, MD 21788 Property Records

Frederick County property record for 7649 Black Rd, Thurmont, MD 21788

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,024 sqft · built 2011
Lot Size	5.13 acres (223,898 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (May 2005)
Tax Bill	$6,282 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-363789`

Property Details

APN / Parcel Number

Primary APN	`15-363789`
Alternative APN	`363789`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,024 sqft Living Area
1st Floor Area	2,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	223,898 sqft
Porch	Open Porch
Porch Area	712 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	363789
Street Address	7649 BLACK RD
City	THURMONT
State	MD
Zip	21788-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 1 SECTION 1 5.14 ACRES ROCKS & STONES
Legal Subdivision	ROCKS & STONES SEC 01
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	15, THURMONT
Census Block Group	2
Census Block	2008
Census Tract	752900

Owner

Source: Frederick County records, as of August 7, 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	7649 BLACK RD, THURMONT, MD 21788-1006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit MEMBERS 1ST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2005 · Amount on Record
Deed Sale	May 5, 2005 · Amount on Record
Deed Document Number	200553180
Deed Book / Page	5293 / 438
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7649 BLACK RD, THURMONT, MD 21788-1006
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135270091
Date	Feb 13, 2020
Book Page	13527/0091

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7649 BLACK RD, THURMONT, MD 21788-1006
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136160321
Date	Mar 27, 2020
Book Page	13616/321

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	MECHANICSBURG, PA 17055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$572,000 (+25.08%) Land $113,200 Building $458,800	$572,000 (+25.08%) Land $113,200 Building $458,800
2025	$6,282.00 (+15.33%)
2023	$5,447.00 Homeowner's exemption	$457,300 Land $113,200 Building $344,100	$457,300 Land $113,200 Building $344,100

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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