Washington County property record for 106 Christophers Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,127 sqft · built 1992 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Sep 2019) |
| Tax Bill | $3,118 (2026) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-025904 |
| Primary APN | 07-025904 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,127 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 185 sqft |
| Deck Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 025904 |
|---|---|
| Street Address | 106 CHRISTOPHERS CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 54 SEC D 0.37 AC 106 CHRISTOPHERS CT WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 54 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11301 |
106 Christophers Ct is owned and occupied by two individuals who bought it in September 2019.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011 |
| 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.
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST FCU |
| Sep 25, 2019 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2019 · Amount on File |
| Deed Sale | Sep 25, 2019 · Amount on File |
| Prior Sale | Apr 28, 1997 · Amount on File |
| Deed Book / Page | 6073 / 398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 106 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2023 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 106 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011 |
| Document Number | 0072780178 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 7278/178 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Address | HERNDON, VA 20170 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 1, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Sep 25, 2019 |
| Property Address | 106 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011 |
| Document Number | 0060730398 |
| Book / Page | 6073 / 0398 |
| Map Reference | FO 3030 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | LAWYERS SIGNATURE SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 106 CHRISTOPHERS CT, SMITHSBURG, MD 21783-2011 |
| Document Number | 0006073407 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 6073/407 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2026 property tax bill for 106 Christophers Ct was $3,118 with a homeowner's exemption, up 5.7% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| 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 | $3,118.00 (+5.66%) Homeowner's exemption | $377,867 (+10.32%) | $413,200 (-) Land $68,000 Building $345,200 |
| 2025 | $2,951.00 Homeowner's exemption | $342,533 | $413,200 Land $68,000 Building $345,200 |
| 2023 | $2,673.00 Homeowner's exemption | $293,100 | $307,200 Land $68,000 Building $239,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Christophers Ct 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 risk around 106 Christophers Ct 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.
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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