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18-20 Water St, 
Thurmont, MD 21788

$429,900


4

Beds


3

Baths


2,988

Sq Ft


Single Family


Virtual Tour

Active

Listed by

Cindy Clipp

Long & Foster Real Estate, Inc.

Last updated:

September 21, 2025, 01:55 PM

MLS#

MDFR2069076

Source:

BRIGHTMLS

About This Home

18-20 Water St

Rare Opportunity in the Heart of Thurmont – Two Homes, Eight Garages, and Endless Possibilities This unique property offers two detached single-family homes, eight garage bays, and flexible residential/commercial zoning—all on one parcel with a single tax ID. It’s ideal for investors, multi-generational living, or those seeking home-based business potential. This property carries both historical charm and modern flexibility. The main home is move-in ready, featuring spacious living areas, a main-level bedroom and full bath, two additional bedrooms upstairs, and a sitting room over the kitchen. A new washer and dryer is also located on the main level. The second home includes a large upstairs bedroom with a full bathroom. The kitchen and second full bath are located on a half-level down (both in need of full rehab). The finished lower level includes a rec room and laundry area with a newer washer and dryer. A large upper-level deck needs repair, but the lumber to rebuild it is included. Additional features include: Eight total garage bays across three structures: 4 facing the rear alley (3 currently rented month to month) 3 side garages 1 tucked beneath the rear deck Each garage bay has electric (no water)—ideal for storage, workshop use, or contractor needs Public water and sewer Boiler heat (oil), window A/C units, and electric hot water heaters (both approximately 2 years old) Located just minutes from downtown Thurmont, Route 15, Cunningham Falls State Park, and Catoctin Mountain Park, this property offers convenience, versatility, and strong potential for value growth. Property is being sold as-is. Don’t miss this one-of-a-kind opportunity with flexible use, income potential, and a prime location in Northern Frederick County. Schedule your showing today!

Home Facts

Single Family

3 Baths

4 Bedrooms

Built in 1880

Price Summary

429,900

$143 per Sq. Ft.

MLS #:

MDFR2069076

Last Updated:

September 21, 2025, 01:55 PM

Added:

a month ago


Rooms & Interior

Bedrooms

Total Bedrooms:

4

Bathrooms

Total Bathrooms:

3

Full Bathrooms:

3

Interior

Living Area:

2,988 Sq. Ft.


Structure

Structure

Architectural Style:

Traditional

Building Area:

2,988 Sq. Ft.

Year Built:

1880


Lot

Lot Size (Sq. Ft):

8,276


Finances & Disclosures

Finances

Price:

$429,900

Price per Sq. Ft:

$143 per Sq. Ft.

Source:BRIGHTMLS
The information being provided by Bright MLS is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information is deemed reliable but not guaranteed and should therefore be independently verified. © 2025 Bright MLS All rights reserved.

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By clicking Contact I agree a Coldwell Banker Agent may contact me by phone or text message including by automated means and prerecorded messages about real estate services, and that I can access real estate services without providing my phone number. I acknowledge that I have read and agree to the Terms of Use and Privacy Notice.