10845 White Hall Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 10845 White Hall Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,490 sqft · built 1993
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2005)
Tax Bill	$4,108 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Nov 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-035855`

Property Details

APN / Parcel Number

Primary APN	`18-035855`
Alternative APN	`035855`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,490 sqft Total Area
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Built-in
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	180 sqft
Deck Area	831 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035855
Street Address	10845 WHITE HALL RD
City	SMITHSBURG
State	MD
Zip	21783-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOT 1 1.20 ACRES 10845 WHITE HALL ROAD
Legal Subdivision	STOTLER RALPH
Legal Lot Number	1
Jurisdiction	WASHINGTON MD
Township / Civil Division	18, CHEWSVILLE
Census Block Group	1
Census Block	1014
Census Tract	11202

Owner

10845 White Hall Rd is owned and occupied by two individuals who bought it in December 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	10845 WHITE HALL RD, SMITHSBURG, MD 21783-1709
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

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Conventional Mortgage EDUCATIONAL SYSTEMS FCU
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATIONAL SYSTEMS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2005 · Amount on File
Deed Sale	Dec 7, 2005 · Amount on File
Prior Sale	Dec 11, 1992 · Amount on File
Deed Document Number	2005208835
Deed Book / Page	2867 / 338
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	10845 WHITE HALL RD, SMITHSBURG, MD 21783-1709
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10845 WHITE HALL RD, SMITHSBURG, MD 21783-1709

Mortgage

Document Number	0074210209
Date	Mar 19, 2024
Book Page	7421/209

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20768

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2039

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	10845 WHITE HALL RD, SMITHSBURG, MD 21783-1709
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10845 WHITE HALL RD, SMITHSBURG, MD 21783-1709

Mortgage

Document Number	0068420269
Date	Nov 24, 2021
Book Page	6842/269

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20768

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 10845 White Hall Rd was $4,108 with a homeowner's exemption, up 5.5% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,108.00 (+5.5%) Homeowner's exemption	$518,700 (+18.64%)	$600,200 (-) Land $71,500 Building $528,700
2025	$3,894.00 Homeowner's exemption	$437,200	$600,200 Land $71,500 Building $528,700
2023	$3,474.00 Homeowner's exemption	$338,000	$355,700 Land $71,500 Building $284,200

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

Flood

FEMA maps place 10845 White Hall Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	7 (1979–1996)
Most Recent Claim	Jun 1996 · river or lake flooding

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 10845 White Hall Rd 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 93% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

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