101 Christophers Ct, Smithsburg, MD 21783 Property Records

Washington County property record for 101 Christophers Ct, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,127 sqft · built 1991
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$297,000 (Dec 2018)
Tax Bill	$3,179 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-025955`

Property Details

APN / Parcel Number

Primary APN	`07-025955`
Alternative APN	`025955`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,127 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	185 sqft
Deck Area	224 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025955
Street Address	101 CHRISTOPHERS CT
City	SMITHSBURG
State	MD
Zip	21783-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LT58 SEC D 0.47 AC 101 CHRISTOPHER'S CT WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	58
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3003
Census Tract	11301

Owner

Source: Washington County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage POINT DIGITAL FINANCE INC
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage MILEND INC
Oct 15, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
Dec 19, 2018	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Jul 30, 2012 · Amount on Record
Deed Book / Page	5891 / 1
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011

Mortgage

Document Number	0078090151
Date	Nov 24, 2025
Book Page	7809/151

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	EXPRESS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063390066
Date	Aug 21, 2020
Book Page	6339/66

Lender

Name	MILEND INC
Type	Mortgage Company
Address	ALPHARETTA, GA 30009

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060880233
Date	Oct 15, 2019
Book Page	6088/0233

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Oct 1, 2048

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011

Mortgage

Document Number	0069140330
Date	Feb 1, 2022
Book Page	6914/330

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Dec 19, 2018
Property Address	101 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011
Document Number	0058910001
Book / Page	005891 / 000001
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	EMERALD TITLE AND ESCROW INC, EMERALD TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	101 CHRISTOPHERS CT SMITHSBURG MD 217832011, SMITHSBURG, MD 21783-2011

Mortgage

Document Number	58910008
Date	Dec 19, 2018
Book Page	005891/000008

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Smithsburg Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,179.00 (+5.61%) Homeowner's exemption	$384,667 (+10.3%)	$420,600 (-) Land $70,200 Building $350,400
2025	$3,010.00 (+8.39%) Homeowner's exemption	$348,733 (+14.89%)	$420,600 (+34.46%) Land $70,200 Building $350,400
2023	$2,777.00 Homeowner's exemption	$303,533	$312,800 Land $70,200 Building $242,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2006)
Most Recent Claim	Jun 2006 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018
Water Source	Purchased surface water from CITY OF HAGERSTOWN
Last State Inspection	Mar 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber	2,000 / 2,000

May also be available: Verizon.

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