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Single Family ResidenceResidential
$222,819$252 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $84,500 on Sep 26, 1990

123 WATER ST

THURMONT, MD 21788
1
Baths
884 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$223K
$211K low$235K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$84,500 · Sep 26, 1990

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,499 (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.$171,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$160,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,800

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.58
79
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
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.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
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.Porch · 210 ft²

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
E
Thurmont Primary School
Elementary · Grades KG–2 · 1.2 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 1.3 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%

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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

123 Water St 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 less than 98% of homes in Frederick County
  • Costs more per square foot than 75% of homes in Thurmont 21788
  • Among the smallest homes in Frederick County
  • Has a smaller lot than 71% of homes in Thurmont 21788
  • Older than 86% of homes in Frederick County

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
$185K$787K

This home is worth more than 6% 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$222,819
CheaperTypical $371,353Pricier

Pricier than 6% of homes nearby

Price per ft²$252
CheaperTypical $216Pricier

Pricier than 75% of homes nearby

Living area884 ft²
SmallerTypical 1,764 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.25 ac
SmallerTypical 0.44 acBigger

Bigger than 29% of homes nearby

Year built1946
OlderTypical 1976Newer

Newer than 26% of homes nearby

How 123 Water St ranks against every home in each area.
MeasureThis homeThurmont 21788Frederick County
Estimated valuepricier than$222,8196% of homes2% of homes
Price per ft²pricier than$25275% of homes68% of homes
Living areabigger than884 ft²4% of homesalmost no homes
Lot sizebigger than0.25 ac29% of homes55% of homes
Year builtnewer than194626% of homes14% of homes

About 123 Water St

How much is 123 Water St, Thurmont, MD worth?

The TopHap Estimate for 123 Water St, Thurmont, MD is $222,819 as of Oct 21, 2026. The likely range is $210,744 to $234,894. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 123 Water St, Thurmont, MD last sell?

123 Water St, Thurmont, MD last sold on Sep 26, 1990 for $84,500, according to the county's recorded deed.

How big is 123 Water St, Thurmont, MD?

123 Water St, Thurmont, MD has 1 bathrooms, 884 square feet of living space and a 0.25-acre lot.

When was 123 Water St, Thurmont, MD built?

123 Water St, Thurmont, MD was built in 1946, making it 80 years old. It is a conventional home. The building has 1 story.

What schools serve 123 Water St, Thurmont, MD?

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

How does 123 Water St, Thurmont, MD compare to other homes in Thurmont 21788?

Among the 4,569 homes in Thurmont 21788, it is worth more than 6% of them ($222,819 against a typical $371,353), its price per square foot is higher than 75% of them ($252 against a typical $216), it is bigger than 4% of them (884 ft² against a typical 1,764 ft²), its lot is bigger than 29% of them (0.25 ac against a typical 0.44 ac) and it is newer than 26% of them (1946 against a typical 1976). Measured against all of Frederick County, it is worth more than 2% 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 123 Water St, Thurmont, MD?

The 2025 property tax bill for 123 Water St, Thurmont, MD was $2,499. The county assessed it at $171,800.

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