105 Amber's Way, Smithsburg, MD 21783 Property Records

Washington County property record for 105 Amber's Way, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,128 sqft · built 1991
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$367,400 (Oct 2005)
Tax Bill	$3,010 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-025645`

Property Details

APN / Parcel Number

Primary APN	`07-025645`
Alternative APN	`025645`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025645
Street Address	105 AMBERS WAY
City	SMITHSBURG
State	MD
Zip	21783-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 52 SEC C 0.36 AC 105 AMBERS WAY WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	52
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3003
Census Tract	11301

Owner

105 Amber's Way is owned and occupied by an individual who bought it in October 2005.

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

Owner of Record	Individual Name on File
Mailing Address	105 AMBERS WAY, SMITHSBURG, MD 21783-2010
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2005 · Amount on File
Deed Sale	Oct 25, 2005 · Amount on File
Prior Sale	Jan 6, 1997 · Amount on File
Deed Document Number	2005208097
Deed Book / Page	2822 / 320
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	105 AMBERS WAY, SMITHSBURG, MD 21783-2010
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069110087
Date	Jan 28, 2022
Book Page	6911/87

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 105 Amber's Way was $3,010, up 1% 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	$3,010.00 (+9.97%)	$330,367 (+9.96%)	$360,300 (-) Land $67,800 Building $292,500
2025	$2,737.00	$300,433	$360,300 Land $67,800 Building $292,500
2023	$2,420.00	$264,533	$270,500 Land $67,800 Building $202,700

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

Flood

FEMA maps place 105 Amber's Way 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 105 Amber's Way 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