Washington County property record for 101 Democracy Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,900 sqft · built 2021 |
| Lot Size | 0.367 acres (15,994 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $342,955 (Apr 2021) |
| Tax Bill | $3,094 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-036574 |
| Primary APN | 07-036574 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,900 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,994 sqft (0.367 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 036574 |
|---|---|
| Street Address | 101 DEMOCRACY CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Description | LOT 15 0.37AC 101 DEMOCRACY CT MOUNTAIN SHADOWS |
| Legal Subdivision | MOUNTAIN SHADOWS |
| Legal Lot Number | 15 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 11301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 101 DEMOCRACY CT, SMITHSBURG, MD 21783-1657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Dec 9, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2021 · Amount on Record |
| Deed Sale | Apr 5, 2021 · Amount on Record |
| Prior Sale | Dec 8, 2020 · Amount on Record |
| Deed Book / Page | 6573 / 153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Apr 5, 2021 |
| Property Address | 101 DEMOCRACY CT, SMITHSBURG, MD 21783-1657 |
| Document Number | 0065730153 |
| Book / Page | 6573 / 153 |
| Map Reference | MB 6448 PG 45 |
| Instrument Date | Mar 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4991 NEW DESIGN RD, 4991, FREDERICK, MD 21703-7113 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 101 DEMOCRACY CT, SMITHSBURG, MD 21783-1657 |
| Document Number | 0006573157 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 6573/157 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Dec 9, 2020 |
| Property Address | 101 DEMOCRACY CT, SMITHSBURG, MD 21783-1657 |
| Document Number | 0064480045 |
| Book / Page | 006448 / 000045 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $192.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4991 NEW DESIGN RD FREDERICK MD 217037113, FREDERICK, MD 21703-7113 |
| Investor | Possibly a Property Investor |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,094.00 (+5.13%) Homeowner's exemption | $367,867 (+6.03%) | $388,800 (-) Land $72,900 Building $315,900 |
| 2025 | $2,943.00 (+10.27%) Homeowner's exemption | $346,933 (+13.75%) | $388,800 (+19.26%) Land $72,900 Building $315,900 |
| 2023 | $2,669.00 Homeowner's exemption | $305,000 | $326,000 Land $72,900 Building $253,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 5 in force |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 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 · Cable in parts of the area | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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