Completely Renovated Gem in the Heart of Thurmont! Welcome to 14 Water Street, where modern updates meet timeless charm. This beautifully renovated home offers 3 spacious bedrooms, 2 full bathrooms, and 1 half bath, delivering comfortable and stylish living on every level. No detail was overlooked in the top-to-bottom renovation—enjoy brand-new flooring, fresh paint, updated lighting, and a fully redesigned interior featuring high-quality finishes throughout. The gourmet kitchen is a true showstopper, boasting new cabinetry, quartz countertops, and sleek black stainless steel appliances. It also includes a large pantry, a dedicated coffee station complete with a mini fridge, ice maker, and a convenient hand sink—perfectly blending functionality with luxury for daily living and entertaining. All bathrooms have been completely upgraded with elegant tile work and modern fixtures. The open-concept living and dining areas create a warm, welcoming atmosphere ideal for gatherings or relaxing at home. Step outside to enjoy a charming yard, all just minutes from downtown Thurmont, local parks, schools, and major commuter routes. Whether you’re a first-time homebuyer, looking to launch a small business, or simply ready to move into a turnkey home, this property checks all the boxes. Don’t miss your opportunity to own this one-of-a-kind, fully renovated gem—schedule your private tour today!
Sold for $395,000
$395,000
14 Water St, Thurmont, MD 21788
3beds
1,728sqft
Single Family Residence
Built in 1900
4,175 Square Feet Lot
$391,300 Zestimate®
$229/sqft
$2,416 Estimated rent
Home value
$391,300
$364,000 - $423,000
$2,416/mo
Zestimate® history
Owner options
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$2,432/mo
Est. payment
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$2,432/mo
Est. payment
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List your homeWhat's special
Modern fixturesHigh-quality finishesDedicated coffee stationFully redesigned interiorFresh paintElegant tile workCharming yard
Zillow last checked:
Listing updated:
Listed by:
Nikki Ott 301-536-4643,
Charis Realty Group,
Listing Team: Homes By Hil Team With Charis Realty Group
Bought with:
Carroll Glass, 5014270
J&B Real Estate
Source: Bright MLS,MLS#: MDFR2063858
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 3
- Main level bedrooms: 3
Basement
- Area: 360
Heating
- Other, Central, Electric
Cooling
- Ductless, Electric
Appliances
- Included: Electric Water Heater
Features
- Basement: Partially Finished
- Has fireplace: No
Interior area
- Total structure area: 2,088
- Total interior livable area: 1,728 sqft
- Finished area above ground: 1,728
- Finished area below ground: 0
Property
Parking
- Total spaces: 5
- Parking features: Garage Faces Rear, Detached Carport, Driveway, Off Street, Detached
- Garage spaces: 3
- Carport spaces: 2
- Covered spaces: 5
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: Other
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Size: 4,175 Square Feet
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1115318104
- Zoning: COMMERCIAL/ RESIDENTIAL
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional,Colonial
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Block
Condition
- New construction: No
- Year built: 1900
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Thurmont
HOA
- Has HOA: No
Location
- Region: Thurmont
- Municipality: Thurmont
Financial & listing details
- Price per square foot: $229/sqft
- Tax assessed value: $275,667
- Annual tax amount: $3,556
- Date on market: 5/10/2025
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,VA Loan,USDA Loan
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 7/3/2025 | Sold | $395,000$229/sqft |
Source:  Bright MLS #MDFR2063858 Report a problem | ||
| 5/17/2025 | Pending sale | $395,000$229/sqft |
Source: Bright MLS #MDFR2063858 Report a problem | ||
| 5/10/2025 | Listed for sale | $395,000$229/sqft |
Source: Bright MLS #MDFR2063858 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,223 +18.8% | $275,667 +17.9% |
| 2024 | $3,556 +24.1% | $233,833 +21.8% |
| 2023 | $2,866 +0.9% | $192,000 |
| 2022 | $2,840 +2.3% | $192,000 +1.8% |
| 2021 | $2,776 +1% | $188,600 |
| 2020 | $2,750 +1.5% | -- |
| 2019 | $2,708 +1.2% | $186,900 +3.1% |
| 2018 | $2,676 +27.9% | $181,300 +1.6% |
| 2017 | $2,092 -13.6% | $178,500 +0.6% |
| 2016 | $2,420 | $177,400 +0.6% |
| 2015 | $2,420 | $176,300 +0.6% |
| 2014 | $2,420 | $175,200 |
| 2013 | -- | $175,200 |
| 2012 | -- | $175,200 -17.4% |
| 2011 | -- | $212,000 +0.1% |
| 2010 | -- | $211,800 +0.1% |
| 2009 | -- | $211,600 +0.1% |
| 2008 | -- | $211,400 +16.5% |
| 2007 | -- | $181,500 +19.7% |
| 2006 | -- | $151,600 +24.6% |
| 2005 | -- | $121,700 +0.9% |
| 2004 | -- | $120,666 +0.9% |
| 2003 | -- | $119,633 |
Find assessor info on the county website
Neighborhood: 21788
Nearby homes
- $300,0004 bd3 ba2.9k sqft18-20 Water St, Thurmont, MD 21788Pending
- $346,200-- bd3 ba3k sqft16 Water St, Thurmont, MD 21788Off Market
- $435,200-- bd2 ba2.9k sqft18 Water St, Thurmont, MD 21788Off Market
- $310,900-- bd-- ba2k sqft8 E Main St, Thurmont, MD 21788Off Market
- $--3 bd1 ba1.2k sqft8 E Main St #3, Thurmont, MD 21788Off Market
- $--1 bd1 ba300 sqft8 E Main St #2, Thurmont, MD 21788Off Market
- $380,0002 bd1 ba-- sqft6 Water St APT 2, Thurmont, MD 21788Off Market
- $185,4001 bd-- ba-- sqft6 Water St APT 3, Thurmont, MD 21788Off Market
Nearby schools
GreatSchools rating
- 6/10Thurmont Elementary SchoolGrades: 3-5Distance: 0.9 mi
- 4/10Thurmont Middle SchoolGrades: 6-8Distance: 0.4 mi
- 5/10Catoctin High SchoolGrades: 9-12Distance: 1.1 mi
Schools provided by the listing agent
- Elementary: Thurmont
- Middle: Thurmont
- High: Catoctin
- District: Frederick County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$391,300
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Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$391,300
- Maryland
- Frederick County
- Thurmont
- 21788
- 14 Water St
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