Washington County property record for 104 W Water St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 864 sqft · built 1975 |
| Lot Size | 1.67 acres (72,745 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $212,500 (Jun 2009) |
| Tax Bill | $2,809 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-014384 |
| Primary APN | 07-014384 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 864 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 72,745 sqft (1.67 acres) |
| Garage Type | Mixed |
| Garage Area | 1,968 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 014384 |
|---|---|
| Street Address | 104 W WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | 1.67 ACRES 104 W WATER ST |
| Legal Subdivision | CARR FRANCIS |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 104 W WATER ST, SMITHSBURG, MD 21783-1601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2009 · Amount on Record |
| Deed Sale | Jun 5, 2009 · Amount on Record |
| Deed Document Number | 20093166 |
| Deed Book / Page | 3674 / 63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 104 W WATER ST, SMITHSBURG, MD 21783-1601 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0065190133 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 6519/133 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | Oct 1, 2035 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,809.00 (+5.76%) | $271,333 (+5.76%) | $286,100 (-) Land $80,000 Building $206,100 |
| 2025 | $2,656.00 (+15.38%) | $256,567 (+15.87%) | $286,100 (+18.32%) Land $80,000 Building $206,100 |
| 2023 | $2,302.00 | $221,433 | $241,800 Land $80,000 Building $161,800 |
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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% 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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