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Single Family ResidenceResidential
$342,537$159 / 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 89How 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 $139,000 on Oct 4, 1994

22 ELM ST

THURMONT, MD 21788
1.5
Baths
2,152 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.
0.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$343K
$305K low$381K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$139,000 · Oct 4, 1994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,437 (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.$284,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$218,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$263,267
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$284,100

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.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
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.0.41
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 488 ft²Porch · 144 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 · 0.5 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 0.8 mi
E
Thurmont Primary School
Elementary · Grades KG–2 · 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

22 Elm 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 81% of homes in Frederick County
  • Costs less per square foot than 97% of homes in Frederick County
  • Bigger than 70% of homes in Thurmont 21788
  • Has a bigger lot than 66% of homes in Frederick County
  • 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
$183K$774K

This home is worth more than 39% 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$342,537
CheaperTypical $373,920Pricier

Pricier than 39% of homes nearby

Price per ft²$159
CheaperTypical $216Pricier

Pricier than 8% of homes nearby

Living area2,152 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.41 ac
SmallerTypical 0.44 acBigger

Bigger than 48% of homes nearby

Year built1945
OlderTypical 1976Newer

Newer than 25% of homes nearby

How 22 Elm St ranks against every home in each area.
MeasureThis homeThurmont 21788Frederick County
Estimated valuepricier than$342,53739% of homes19% of homes
Price per ft²pricier than$1598% of homes3% of homes
Living areabigger than2,152 ft²70% of homes48% of homes
Lot sizebigger than0.41 ac48% of homes66% of homes
Year builtnewer than194525% of homes14% of homes

About 22 Elm St

How much is 22 Elm St, Thurmont, MD worth?

The TopHap Estimate for 22 Elm St, Thurmont, MD is $342,537 as of Sep 24, 2026. The likely range is $304,520 to $380,554. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 22 Elm St, Thurmont, MD last sell?

22 Elm St, Thurmont, MD last sold on Oct 4, 1994 for $139,000, according to the county's recorded deed.

How big is 22 Elm St, Thurmont, MD?

22 Elm St, Thurmont, MD has 1.5 bathrooms, 2,152 square feet of living space and a 0.41-acre lot.

When was 22 Elm St, Thurmont, MD built?

22 Elm St, Thurmont, MD was built in 1945, making it 81 years old. It is a conventional home. The building has 1 story.

What schools serve 22 Elm St, Thurmont, MD?

22 Elm St, 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 22 Elm St, Thurmont, MD compare to other homes in Thurmont 21788?

Among the 4,569 homes in Thurmont 21788, it is worth more than 39% of them ($342,537 against a typical $373,920), its price per square foot is higher than 8% of them ($159 against a typical $216), it is bigger than 70% of them (2,152 ft² against a typical 1,760 ft²), its lot is bigger than 48% of them (0.41 ac against a typical 0.44 ac) and it is newer than 25% of them (1945 against a typical 1976). Measured against all of Frederick County, it is worth more than 19% 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 22 Elm St, Thurmont, MD?

The 2025 property tax bill for 22 Elm St, Thurmont, MD was $3,437. The county assessed it at $284,100.

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