Frederick County property record for 9 Elm St, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft · built 1967 |
| Lot Size | 0.192 acres (8,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Nov 2016) |
| Tax Bill | $2,778 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-318082 |
| Primary APN | 15-318082 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 1,266 sqft |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,340 sqft (0.192 acres) |
| Garage Type | Attached |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Breezeway |
| Porch Area | 120 sqft |
| Breezeway | Breezeway |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Account Number | 318082 |
|---|---|
| Street Address | 9 ELM ST |
| City | THURMONT |
| State | MD |
| Zip | 21788-1632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 8,340 SQ FT W/S ELM ST. THURMONT |
| Legal Subdivision | THURMONT |
| Legal Block | 60 |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 753002 |
9 Elm St is owned and occupied by an individual who bought it in November 2016.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9 ELM ST, THURMONT, MD 21788-1632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2016 · Amount on File |
| Deed Sale | Nov 18, 2016 · Amount on File |
| Prior Sale | Dec 3, 2009 · Amount on File |
| Deed Document Number | 201611510-0465 |
| Deed Book / Page | 11510 / 465 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 9 Elm St was $2,778 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,900 Land $55,000 Building $150,900 | $205,900 Land $55,000 Building $150,900 | |
| 2025 | $2,778.00 | ||
| 2023 | $2,503.00 Homeowner's exemption | $161,800 Land $52,000 Building $109,800 | $161,800 Land $52,000 Building $109,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9 Elm St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
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 9 Elm St 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF THURMONT serves 6,200 people · EPA ID MD0100023 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2016–2018) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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