112 Joel Cir, Smithsburg, MD 21783 Property Records

Washington County property record for 112 Joel Cir, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 2002
Lot Size	0.276 acres (12,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,361 (Dec 2001)
Tax Bill	$2,983 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-035128`

Property Details

APN / Parcel Number

Primary APN	`07-035128`
Alternative APN	`035128`

Interior

Full Baths	2 Baths
Building Area	1,200 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,028 sqft (0.276 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035128
Street Address	112 JOEL CIR
City	SMITHSBURG
State	MD
Zip	21783-1585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 291 0.28 ACRE 112 JOEL CIR WHISPERING HILLS
Legal Subdivision	WHISPERING HILLS
Legal Block	4
Legal Lot Number	291
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3000
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	112 JOEL CIR, SMITHSBURG, MD 21783-1585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2001 · Amount on Record
Deed Sale	Dec 19, 2001 · Amount on Record
Prior Sale	Oct 4, 2001 · Amount on Record
Deed Document Number	20019835
Deed Book / Page	1729 / 839
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	112 JOEL CIR, SMITHSBURG, MD 21783-1585
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059170303
Date	Feb 11, 2019
Book Page	5917/0303

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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		$361,100 (+10.26%)	$394,700 (-) Land $66,000 Building $328,700
2025	$2,983.00 (+17.58%)	$327,500 (+18.07%)	$394,700 (+34.3%) Land $66,000 Building $328,700
2023	$2,537.00	$277,367	$293,900 Land $66,000 Building $227,900

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 96% of the US · lower than 92% 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.

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