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Multi-Family Dwellings (Generic, Any Combination)Residential
Last sold for $475,000 on Aug 21, 2020

WATER ST

THURMONT, MD 21788
0
Baths
2,530 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$475,000 · Aug 21, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,520 (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.$290,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$288,233
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$290,900

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.59
88
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.47 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.Multi-Family Dwellings (Generic, Any Combination)
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.31
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
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
ViewThe type of view from the property, or another feature of the site that affects value.Commercial/Industrial
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.DeckPatio · 70 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 · 0.3 mi
E
Thurmont Primary School
Elementary · Grades KG–2 · 1.0 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 1.5 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%

Owner Tools

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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

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.

  • Bigger than 82% of homes in Thurmont 21788
  • Older than 76% of homes in Frederick County

How it measures up in Thurmont 21788

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

Living area2,530 ft²
SmallerTypical 1,764 ft²Bigger

Bigger than 82% of homes nearby

Lot size0.31 ac
SmallerTypical 0.44 acBigger

Bigger than 40% of homes nearby

Year built1972
OlderTypical 1976Newer

Newer than 45% of homes nearby

How Water St ranks against every home in each area.
MeasureThis homeThurmont 21788Frederick County
Living areabigger than2,530 ft²82% of homes63% of homes
Lot sizebigger than0.31 ac40% of homes60% of homes
Year builtnewer than197245% of homes24% of homes

About Water St

When did Water St, Thurmont, MD last sell?

Water St, Thurmont, MD last sold on Aug 21, 2020 for $475,000, according to the county's recorded deed.

How big is Water St, Thurmont, MD?

Water St, Thurmont, MD has 2,530 square feet of living space and a 0.31-acre lot.

When was Water St, Thurmont, MD built?

Water St, Thurmont, MD was built in 1972, making it 54 years old. The building has 2 stories.

What schools serve Water St, Thurmont, MD?

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

Among the 4,569 homes in Thurmont 21788, it is bigger than 82% of them (2,530 ft² against a typical 1,764 ft²), its lot is bigger than 40% of them (0.31 ac against a typical 0.44 ac) and it is newer than 45% of them (1972 against a typical 1976). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on Water St, Thurmont, MD?

The 2025 property tax bill for Water St, Thurmont, MD was $4,520. The county assessed it at $290,900.

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