108 Vody's Ct, Smithsburg, MD 21783 Property Records

Washington County property record for 108 Vody's Ct, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 996 sqft · built 1993
Lot Size	0.25 acres (10,880 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Aug 2004)
Tax Bill	$2,314 (2026)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-028806`

Property Details

APN / Parcel Number

Primary APN	`07-028806`
Alternative APN	`028806`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	996 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Utility Area	312 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,880 sqft (0.25 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	028806
Street Address	108 VODYS CT
City	SMITHSBURG
State	MD
Zip	21783-2075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 428 10880 SQ FT 108 VODYS COURT WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	428
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3003
Census Tract	11301

Owner

108 Vody's Ct is owned and occupied by an individual who bought it in August 2004.

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

Owner of Record	Individual Name on File
Mailing Address	108 VODYS CT, SMITHSBURG, MD 21783-2075
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	Aug 12, 2004 · Amount on File
Deed Sale	Aug 12, 2004 · Amount on File
Prior Sale	Jun 11, 1993 · Amount on File
Deed Document Number	200467
Deed Book / Page	2409 / 652
Transfer Doc	0027840727
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	108 VODYS CT, SMITHSBURG, MD 21783-2075
Document Number	0056900424
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 VODYS CT SMITHSBURG MD 217832075, SMITHSBURG, MD 21783-2075

Mortgage

Document Number	0056900424
Date	Feb 14, 2018
Book Page	005690/000424

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 13, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 108 Vody's Ct was $2,314 with a homeowner's exemption, up 5.7% 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	$2,314.00 (+5.66%) Homeowner's exemption	$282,800 (+9.57%)	$307,500 (-) Land $65,400 Building $242,100
2025	$2,190.00 (+5.64%) Homeowner's exemption	$258,100	$307,500 Land $65,400 Building $242,100
2024	$2,073.00 (+4.64%)
2023	$1,981.00 Homeowner's exemption	$220,900	$233,400 Land $65,400 Building $168,000

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

Flood

FEMA maps place 108 Vody's 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 Vody's Ct is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

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