Washington County property record for 102 Democracy Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,680 sqft · built 2020 |
| Lot Size | 0.305 acres (13,305 sqft) |
| Owner | Individual Name on File |
| Last Sale | $284,955 (Oct 2020) |
| Tax Bill | $2,883 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-036590 |
| Primary APN | 07-036590 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Total Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,305 sqft (0.305 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 036590 |
|---|---|
| Street Address | 102 DEMOCRACY CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Description | LOT 17 0.31AC 102 DEMOCRACY CT MOUNTAIN SHADOWS |
| Legal Subdivision | MOUNTAIN SHADOWS |
| Legal Lot Number | 17 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 11301 |
102 Democracy Ct is owned and occupied by an individual who bought it in October 2020.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 102 DEMOCRACY CT, SMITHSBURG, MD 21783-1656 |
| 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.
| Date | Document |
|---|---|
| Oct 28, 2020 | Deed of Trust, Mortgage NVR MTG FIN |
| Oct 28, 2020 | Grant Deed, Subdivision Related Transfer NVR MTG FIN |
| Jul 21, 2020 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on File |
| Deed Sale | Oct 28, 2020 · Amount on File |
| Prior Sale | Jul 21, 2020 · Amount on File |
| Deed Book / Page | 6407 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 102 DEMOCRACY CT, SMITHSBURG, MD 21783-1656 |
| Document Number | 0064070168 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 102 DEMOCRACY CT SMITHSBURG MD 21783, SMITHSBURG, MD 21783 |
| Document Number | 0064070168 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 006407/000168 |
| Name | NVR MTG FIN |
|---|---|
| Type | Mortgage Company |
| Address | CANONSBURG, PA 15317 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Oct 28, 2020 |
| Property Address | 102 DEMOCRACY CT, SMITHSBURG, MD 21783-1656 |
| Document Number | 0064070162 |
| Book / Page | 006407 / 000162 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 31, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 DEMOCRACY CT SMITHSBURG MD 21783, SMITHSBURG, MD 21783 |
| Document Number | 64070168 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 006407/000168 |
| Name | NVR MTG FIN |
|---|---|
| Type | Mortgage Company |
| Address | CANONSBURG, PA 15317 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 21, 2020 |
| Property Address | 102 DEMOCRACY CT, SMITHSBURG, MD 21783-1656 |
| Document Number | 0063090365 |
| Book / Page | 006309 / 000365 |
| Instrument Date | Jul 14, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $256.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7540 N MARKET ST FREDERICK MD 217014307, FREDERICK, MD 21701-4307 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 102 Democracy Ct was $2,883, up 5.8% 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 | $2,883.00 (+5.8%) | $316,467 (+5.79%) | $333,800 (-) Land $71,600 Building $262,200 |
| 2025 | $2,725.00 | $299,133 | $333,800 Land $71,600 Building $262,200 |
| 2023 | $2,423.00 | $264,900 | $281,800 Land $71,600 Building $210,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Democracy Ct in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 102 Democracy 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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures