105 Sara Cir, Smithsburg, MD 21783 Property Records

Washington County property record for 105 Sara Cir, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,740 sqft · built 1998
Lot Size	0.309 acres (13,451 sqft)
Owner	2 Individual Names on File
Last Sale	$147,000 (Apr 2011)
Tax Bill	$2,928 (2026)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-032188`

Property Details

APN / Parcel Number

Primary APN	`07-032188`
Alternative APN	`032188`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,740 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Split Level
Exterior Material	Siding
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	13,451 sqft (0.309 acres)

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	256 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032188
Street Address	105 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 243 0.31 ACRE 105 SARA CIRCLE WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Block	3
Legal Lot Number	243
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3001
Census Tract	11301

Owner

105 Sara Cir is owned and occupied by two individuals who bought it in April 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 SARA CIR, SMITHSBURG, MD 21783-1557
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	2 Names on Deed
Last Sale	Apr 21, 2011 · Amount on File
Deed Sale	Apr 21, 2011 · Amount on File
Prior Sale	Nov 3, 2010 · Amount on File
Deed Document Number	20114077/0019
Deed Book / Page	4077 / 19
Prior Transfer Date	Apr 4, 2007
Prior Transfer Doc	0032690669
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	105 SARA CIR, SMITHSBURG, MD 21783-1557
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066430389
Date	Jun 2, 2021
Book Page	6643/389

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 105 Sara Cir was $2,928, up 8.7% 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	$2,928.00 (+8.69%)	$321,433 (+8.68%)	$347,100 (-) Land $66,700 Building $280,400
2025	$2,694.00 (+9.51%)	$295,767	$347,100 Land $66,700 Building $280,400
2024	$2,460.00 (+6.03%)
2023	$2,320.00	$253,633	$270,100 Land $66,700 Building $203,400

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

Flood

FEMA maps place 105 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 105 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