Washington County property record for 106 Joel Cir, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,042 sqft · built 2002 |
| Lot Size | 0.354 acres (15,438 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,400 (Jul 2014) |
| Tax Bill | $3,109 (2026) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-035152 |
| Primary APN | 07-035152 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,042 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 15,438 sqft (0.354 acres) |
| Porch | Slab |
| Porch Area | 16 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035152 |
|---|---|
| Street Address | 106 JOEL CIR |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 294 0.35 ACRE 106 JOEL CIRCLE WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 4 |
| Legal Lot Number | 294 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11301 |
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 Record |
|---|---|
| Mailing Address | 106 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2014 · Amount on Record |
| Deed Sale | Jul 14, 2014 · Amount on Record |
| Prior Sale | Apr 1, 2014 · Amount on Record |
| Deed Book / Page | 4791 / 42 |
| Prior Transfer Date | Mar 25, 2014 |
| Prior Transfer Doc | 0047340269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 106 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 106 JOEL CIR, SMITHSBURG, MD 21783-1585 |
| Document Number | 0074430075 |
|---|---|
| Date | Apr 26, 2024 |
| Book Page | 7443/75 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,109.00 (+5.53%) Homeowner's exemption | $366,567 (+8.96%) | $396,700 (-) Land $67,700 Building $329,000 |
| 2025 | $2,946.00 (+12.23%) Homeowner's exemption | $336,433 (+17.25%) | $396,700 (+29.51%) Land $67,700 Building $329,000 |
| 2023 | $2,625.00 | $286,933 | $306,300 Land $67,700 Building $238,600 |
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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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