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Single Family ResidenceResidential
$489,264$234 / 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 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $415,000 on Nov 15, 2021

20 TOCATI ST

THURMONT, MD 21788
3
Baths
2,090 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$489K
$478K low$501K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$415,000 · Nov 15, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,885 (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.$406,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$75,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$331,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$367,267
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$406,900

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.
88
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.

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.0.20
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 180 ft²Porch · 40 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.

E
Thurmont Primary School
Elementary · Grades KG–2 · 0.9 mi
M
Thurmont Middle SchoolC+
Middle · Grades 6–8 · 1.1 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 2.4 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

20 Tocati 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 more than 80% of homes in Thurmont 21788
  • Bigger than 68% of homes in Thurmont 21788
  • Has a smaller lot than 84% of homes in Thurmont 21788
  • Newer than 96% 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
$186K$796K

This home is worth more than 80% 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$489,264
CheaperTypical $373,098Pricier

Pricier than 80% of homes nearby

Price per ft²$234
CheaperTypical $216Pricier

Pricier than 64% of homes nearby

Living area2,090 ft²
SmallerTypical 1,758 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.2 ac
SmallerTypical 0.44 acBigger

Bigger than 16% of homes nearby

Year built2008
OlderTypical 1976Newer

Newer than 96% of homes nearby

How 20 Tocati St ranks against every home in each area.
MeasureThis homeThurmont 21788Frederick County
Estimated valuepricier than$489,26480% of homes50% of homes
Price per ft²pricier than$23464% of homes55% of homes
Living areabigger than2,090 ft²68% of homes46% of homes
Lot sizebigger than0.2 ac16% of homes46% of homes
Year builtnewer than200896% of homes80% of homes

About 20 Tocati St

How much is 20 Tocati St, Thurmont, MD worth?

The TopHap Estimate for 20 Tocati St, Thurmont, MD is $489,264 as of Sep 24, 2026. The likely range is $477,528 to $501,000. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Tocati St, Thurmont, MD last sell?

20 Tocati St, Thurmont, MD last sold on Nov 15, 2021 for $415,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20 Tocati St, Thurmont, MD?

20 Tocati St, Thurmont, MD has 3 bathrooms, 2,090 square feet of living space and a 0.20-acre lot.

When was 20 Tocati St, Thurmont, MD built?

20 Tocati St, Thurmont, MD was built in 2008, making it 18 years old. It is a conventional home. The building has 1 story.

What schools serve 20 Tocati St, Thurmont, MD?

20 Tocati St, Thurmont, MD is assigned to Thurmont Primary School (elementary); Thurmont Middle School (middle), rated C+; 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 20 Tocati St, Thurmont, MD compare to other homes in Thurmont 21788?

Among the 4,569 homes in Thurmont 21788, it is worth more than 80% of them ($489,264 against a typical $373,098), its price per square foot is higher than 64% of them ($234 against a typical $216), it is bigger than 68% of them (2,090 ft² against a typical 1,758 ft²), its lot is bigger than 16% of them (0.2 ac against a typical 0.44 ac) and it is newer than 96% of them (2008 against a typical 1976). Measured against all of Frederick County, it is worth more than 50% 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 20 Tocati St, Thurmont, MD?

The 2025 property tax bill for 20 Tocati St, Thurmont, MD was $4,885. The county assessed it at $406,900.

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