111 Joel Cir, Smithsburg, MD 21783 Property Records

Washington County property record for 111 Joel Cir, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,350 sqft · built 2002
Lot Size	0.317 acres (13,823 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Aug 2022)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-035241`

Property Details

APN / Parcel Number

Primary APN	`07-035241`
Alternative APN	`035241`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,350 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,823 sqft (0.317 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	162 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035241
Street Address	111 JOEL CIR
City	SMITHSBURG
State	MD
Zip	21783-1584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 303 0.32 ACRE 111 JOEL CIR WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Block	4
Legal Lot Number	303
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3000
Census Tract	11301

Owner

Source: Washington County records · APN 07-035241

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	111 JOEL CIR, SMITHSBURG, MD 21783-1584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Oct 18, 2002 · Amount on Record
Deed Book / Page	7083 / 124
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 16, 2022
Property Address	111 JOEL CIR, SMITHSBURG, MD 21783-1584
Document Number	0070830124
Book / Page	7083 / 124
Map Reference	PL F 947
Instrument Date	Aug 12, 2022
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0070830130
Date	Aug 16, 2022
Instrument	7083-0130

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$391,100 (+12.19%)	$433,600 (-) Land $66,900 Building $366,700
2025	$3,176.00 (+16.12%)	$348,600 (+16.61%)	$433,600 (+41.65%) Land $66,900 Building $366,700
2023	$2,735.00	$298,933	$306,100 Land $66,900 Building $239,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 14, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Schurz Communications Fiber · Cable	2,300 / 2,300
Xfinity Fiber	2,000 / 250

Based on FCC filings for 295 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.