108 Gabriel Ct, Smithsburg, MD 21783 Property Records

Washington County property record for 108 Gabriel Ct, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,038 sqft · built 1999
Lot Size	0.243 acres (10,595 sqft)
Owner	2 Individual Names on File
Last Sale	$354,000 (Aug 2026)
Tax Bill	$2,451 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-031564`

Property Details

APN / Parcel Number

Primary APN	`07-031564`
Alternative APN	`031564`

Interior

Full Baths	2 Baths
Building Area	1,038 sqft Total Area
Basement Area	259 sqft
Finished Basement	259 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,595 sqft (0.243 acres)
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031564
Street Address	108 GABRIEL CT
City	SMITHSBURG
State	MD
Zip	21783-1574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 188 0.24 ACRE 108 GABRIELS CT WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Block	2
Legal Lot Number	188
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3001
Census Tract	11301

Owner

108 Gabriel Ct is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 GABRIEL CT, SMITHSBURG, MD 21783-1574
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Aug 4, 2026 · Amount on File
Deed Sale	Aug 4, 2026 · Amount on File
Prior Sale	Jul 21, 2004 · Amount on File
Deed Book / Page	7983 / 493
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 4, 2026
Property Address	108 GABRIEL CT, SMITHSBURG, MD 21783-1574
Document Number	7983000493
Book / Page	7983 / 493
Instrument Date	Jul 10, 2026
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	MASON-DIXON SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,754.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 GABRIEL CT, SMITHSBURG, MD 21783-1574

Mortgage

Document Number	7983000502,
Date	Aug 4, 2026
Book Page	7983/502

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 108 Gabriel Ct was $2,451, up 9.4% 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	$2,451.00 (+9.42%)	$269,033 (+9.42%)	$292,200 (-) Land $65,200 Building $227,000
2025	$2,240.00	$245,867	$292,200 Land $65,200 Building $227,000
2023	$1,933.00	$211,267	$222,700 Land $65,200 Building $157,500

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

Flood

FEMA maps place 108 Gabriel 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

Wildfire risk around 108 Gabriel 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.

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 156 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 · Cable in parts of the area	2,000 / 250