Washington County property record for 102 Joel Cir, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,640 sqft · built 2002 |
| Lot Size | 0.387 acres (16,843 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $329,900 (Apr 2014) |
| Tax Bill | $3,602 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-035179 |
| Primary APN | 07-035179 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,640 sqft Total Area |
| Basement Area | 850 sqft |
| Finished Basement | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,843 sqft (0.387 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | 198 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035179 |
|---|---|
| Street Address | 102 JOEL CIR |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 296 0.39 ACRE 102 JOEL CIR WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 4 |
| Legal Lot Number | 296 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11301 |
Source: Washington County records, as of August 18, 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 | 102 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2014 · Amount on Record |
| Deed Sale | Apr 24, 2014 · Amount on Record |
| Prior Sale | Oct 15, 2010 |
| Deed Book / Page | 4746 / 413 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 102 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 102 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Document Number | 0067800132 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 6780/132 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SMITHSBURG, MD 21783 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Washington County assessment roll, as of August 4, 2025
| 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 | $450,733 (+9.25%) | $488,900 (-) Land $68,400 Building $420,500 | |
| 2025 | $3,602.00 (+7.75%) Homeowner's exemption | $412,567 (+12.9%) | $488,900 (+30.58%) Land $68,400 Building $420,500 |
| 2023 | $3,343.00 Homeowner's exemption | $365,433 | $374,400 Land $68,400 Building $306,000 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 295 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 / 250 |
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