Washington County property record for 109 Rebecca's Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,974 sqft · built 1994 |
| Lot Size | 0.303 acres (13,218 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Aug 2026) |
| Tax Bill | $3,101 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-028822 |
| Primary APN | 07-028822 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,974 sqft Total Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,218 sqft (0.303 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 028822 |
|---|---|
| Street Address | 109 REBECCAS CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-2076 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 407 13218 SQ FT 109 REBECCAS CT WHISPERING HILLS |
| Legal Subdivision | WHISPERING HIL |
| Legal Lot Number | 407 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11301 |
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed, Transfer · FHA Mortgage TRUST BANK |
| Mar 11, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Nov 24, 2021 | Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Dec 29, 2020 | Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on Record |
| Deed Sale | Aug 18, 2026 · Amount on Record |
| Prior Sale | Nov 24, 2021 · Amount on Record |
| Deed Book / Page | 7994 / 464 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Aug 18, 2026 |
| Property Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Document Number | 7994000464 |
| Book / Page | 7994 / 464 |
| Instrument Date | Jul 2, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | FIRST TITLE, HOME FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Document Number | 7994000472, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 7994/472 |
| Name | TRUST BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0069500202 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 6950/202 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Nov 24, 2021 |
| Property Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Document Number | 0068420246 |
| Book / Page | 6842 / 246 |
| Map Reference | PL 3794 |
| Instrument Date | Nov 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | CLEAR TITLE, CLEAR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0006842252 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 6842/252 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Dec 29, 2020 |
| Property Address | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Document Number | 0064670402 |
| Book / Page | 6467 / 402 |
| Map Reference | PL 37494 |
| Instrument Date | Dec 5, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | TRI ST SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment 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 | 109 REBECCAS CT, SMITHSBURG, MD 21783-2076 |
| Document Number | 0006467409 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 6467/409 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $3,101.00 (+8.85%) | $340,367 (+8.84%) | $368,000 (-) Land $66,600 Building $301,400 |
| 2025 | $2,849.00 (+16.48%) | $312,733 (+16.97%) | $368,000 (+29.08%) Land $66,600 Building $301,400 |
| 2023 | $2,446.00 | $267,367 | $285,100 Land $66,600 Building $218,500 |
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 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.
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 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 |
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