109 Sentry Rdg, Smithsburg, MD 21783 Property Records

Washington County property record for 109 Sentry Rdg, Smithsburg, MD 21783

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,212 sqft · built 2002
Lot Size	0.082 acres (3,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Feb 2018)
Tax Bill	$2,027 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-029446`

Property Details

APN / Parcel Number

Primary APN	`07-029446`
Alternative APN	`029446`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,212 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,560 sqft (0.082 acres)
Garage Type	Built-in
Garage Area	180 sqft
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	029446
Street Address	109 SENTRY RDG
City	SMITHSBURG
State	MD
Zip	21783-1589
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RR
Legal Description	LOT P46 3560 SQ FT 109 SENTRY RDIGE WHISPERING RIDGE
Legal Subdivision	WHISPERING RIDGE
Legal Lot Number	P46
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3003
Census Tract	11301

Owner

Source: Washington County records, as of August 18, 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 SENTRY RDG, SMITHSBURG, MD 21783-1589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 4, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 21, 2018	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2018 · Amount on Record
Deed Sale	Feb 21, 2018 · Amount on Record
Deed Book / Page	5694 / 179
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	109 SENTRY RDG, SMITHSBURG, MD 21783-1589
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062750414
Date	Jun 15, 2020
Book Page	6275/414

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Oct 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	109 SENTRY RDG, SMITHSBURG, MD 21783-1589
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060580398
Date	Sep 4, 2019
Book Page	6058/0398

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Feb 21, 2018
Property Address	109 SENTRY RDG, SMITHSBURG, MD 21783-1589
Document Number	0056940179
Book / Page	5694 / 0179
Map Reference	MB6749&6750
Instrument Date	Feb 8, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 SENTRY RDG, SMITHSBURG, MD 21783-1589

Mortgage

Document Number	0005694185
Date	Feb 21, 2018
Instrument	5694/185

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$246,600 (+10.83%)	$270,700 (-) Land $45,000 Building $225,700
2025	$2,027.00 (+14.91%)	$222,500 (+15.36%)	$270,700 (+36.44%) Land $45,000 Building $225,700
2023	$1,764.00	$192,867	$198,400 Land $45,000 Building $153,400

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

Flood

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

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	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

Cell Coverage

5G (outdoors only) and 4G LTE

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