Washington County property record for 101 Rachels Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,246 sqft · built 1990 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,500 (Aug 1998) |
| Tax Bill | $2,730 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-021755 |
| Primary APN | 07-021755 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,246 sqft Total Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Built-in |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 021755 |
|---|---|
| Street Address | 101 RACHELS CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-2009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | LOT 16 0.40 AC 101 RACHELS COURT WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 16 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11301 |
101 Rachels Ct is owned and occupied by two individuals who bought it in August 1998.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 RACHELS CT, SMITHSBURG, MD 21783-2009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 1998 · Amount on File |
| Deed Sale | Aug 25, 1998 · Amount on File |
| Prior Sale | Apr 11, 1990 · Amount on File |
| Deed Document Number | 19983300 |
| Deed Book / Page | 1434 / 365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 101 RACHELS CT, SMITHSBURG, MD 21783-2009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0063650471 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 6365/471 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Sep 1, 2047 |
The 2026 property tax bill for 101 Rachels Ct was $2,730 with a homeowner's exemption, up 5.7% from the year before.
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 | $2,730.00 (+5.65%) Homeowner's exemption | $327,667 (+9.91%) | $357,200 (-) Land $68,700 Building $288,500 |
| 2025 | $2,584.00 Homeowner's exemption | $298,133 | $357,200 Land $68,700 Building $288,500 |
| 2023 | $2,403.00 Homeowner's exemption | $262,700 | $268,600 Land $68,700 Building $199,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Rachels Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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 risk around 101 Rachels Ct is low, with a 0.01% annual chance of 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.
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 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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