103 Sara Cir, Smithsburg, MD 21783 Property Records

Washington County property record for 103 Sara Cir, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,052 sqft · built 2002
Lot Size	0.285 acres (12,430 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Dec 2014)
Tax Bill	$2,875 (2026)
Flood Zone	Zone X (minimal risk)
APN	`07-032196`

Property Details

APN / Parcel Number

Primary APN	`07-032196`
Alternative APN	`032196`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Total Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	12,430 sqft (0.285 acres)
Garage Type	Basement
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032196
Street Address	103 SARA CIR
City	SMITHSBURG
State	MD
Zip	21783-1557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 244 0.29 ACRE 103 SARA CIR WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Block	3
Legal Lot Number	244
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3001
Census Tract	11301

Owner

103 Sara Cir is owned and occupied by an individual who bought it in December 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	103 SARA CIR, SMITHSBURG, MD 21783-1557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2014 · Amount on File
Deed Sale	Dec 9, 2014 · Amount on File
Prior Sale	May 4, 2007 · Amount on File
Deed Book / Page	4872 / 157
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 103 Sara Cir was $2,875, up 9.9% from the year before.

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	$2,875.00 (+9.9%)	$315,600 (+9.89%)	$344,000 (-) Land $66,200 Building $277,800
2025	$2,616.00	$287,200	$344,000 Land $66,200 Building $277,800
2023	$2,239.00	$244,800	$258,800 Land $66,200 Building $192,600

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

Flood

FEMA maps place 103 Sara Cir 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

Wildfire risk around 103 Sara Cir is low, with less than 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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 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