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Single Family ResidenceResidential
$634,314$193 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

11 RADIO LN

THURMONT, MD 21788
3
Baths
3,287 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.28 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$634K
$581K low$688K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$140,814
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$112,651
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.80%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$411,000
EMBRACE HM LOANS · recorded May 19, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$82,500
CAPITAL ONE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,996 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$736,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$108,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$628,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$669,967
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$736,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyFREDERICK
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 192 ft²Patio · 192 ft²Porch · 908 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Thurmont Middle SchoolC-
Middle · Grades 6–8 · 0.4 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 0.9 mi
E
Thurmont Primary School
Elementary · Grades KG–2 · 1.1 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21788These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.70
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.13,706
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.202 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,589
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$127,499
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

11 Radio Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Thurmont 21788
  • Costs less per square foot than 79% of homes in Frederick County
  • Bigger than 94% of homes in Thurmont 21788
  • Has a bigger lot than 83% of homes in Frederick County
  • Newer than 94% of homes in Thurmont 21788

What homes are worth in Thurmont 21788

Each bar is how many homes fall in that price range. The marker is this home.

This home
$193K$879K

This home is worth more than 92% of homes in Thurmont 21788.

How it measures up in Thurmont 21788

The dot is this home. The mark in the middle is the typical home in Thurmont 21788.

Estimated value$634,314
CheaperTypical $387,540Pricier

Pricier than 92% of homes nearby

Price per ft²$193
CheaperTypical $222Pricier

Pricier than 28% of homes nearby

Living area3,287 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 94% of homes nearby

Lot size1.28 ac
SmallerTypical 0.45 acBigger

Bigger than 72% of homes nearby

Year built2005
OlderTypical 1976Newer

Newer than 94% of homes nearby

How 11 Radio Ln ranks against every home in each area.
MeasureThis homeThurmont 21788Frederick County
Estimated valuepricier than$634,31492% of homes74% of homes
Price per ft²pricier than$19328% of homes21% of homes
Living areabigger than3,287 ft²94% of homes82% of homes
Lot sizebigger than1.28 ac72% of homes83% of homes
Year builtnewer than200594% of homes76% of homes

About 11 Radio Ln

How much is 11 Radio Ln, Thurmont, MD worth?

The TopHap Estimate for 11 Radio Ln, Thurmont, MD is $634,314 as of Jul 14, 2026. The likely range is $580,574 to $688,054. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11 Radio Ln, Thurmont, MD last sell?

11 Radio Ln, Thurmont, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 11 Radio Ln, Thurmont, MD?

11 Radio Ln, Thurmont, MD has 3 bathrooms and 3,287 square feet of living space.

When was 11 Radio Ln, Thurmont, MD built?

11 Radio Ln, Thurmont, MD was built in 2005, making it 21 years old. It is a conventional home. The building has 1 story.

What schools serve 11 Radio Ln, Thurmont, MD?

11 Radio Ln, Thurmont, MD is assigned to Thurmont Middle School (middle), rated C-; Catoctin High School (high), rated B-; Thurmont Primary School (elementary). All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11 Radio Ln, Thurmont, MD compare to other homes in Thurmont 21788?

Among the 4,571 homes in Thurmont 21788, it is worth more than 92% of them ($634,314 against a typical $387,540), its price per square foot is higher than 28% of them ($193 against a typical $222), it is bigger than 94% of them (3,287 ft² against a typical 1,760 ft²), its lot is bigger than 72% of them (1.28 ac against a typical 0.45 ac) and it is newer than 94% of them (2005 against a typical 1976). Measured against all of Frederick County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 11 Radio Ln, Thurmont, MD?

The 2025 property tax bill for 11 Radio Ln, Thurmont, MD was $1,996. The county assessed it at $736,800.

Closest homes

More homes in Thurmont 21788

Assigned schools

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