Washington County property record for 117 Joel Cir, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,684 sqft · built 2002 |
| Lot Size | 0.316 acres (13,766 sqft) |
| Owner | Individual Name on File |
| Last Sale | $293,700 (Sep 2006) |
| Tax Bill | $2,684 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-035284 |
| Primary APN | 07-035284 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,684 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,766 sqft (0.316 acres) |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 110 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035284 |
|---|---|
| Street Address | 117 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 306 0.32 ACRE 117 JOEL CIR WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 4 |
| Legal Lot Number | 306 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11301 |
117 Joel Cir is owned and occupied by an individual who acquired it in April 2018.
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 117 JOEL CIR, SMITHSBURG, MD 21783-1584 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Apr 16, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2006 · Amount on File |
| Deed Sale | Sep 29, 2006 · Amount on File |
| Prior Sale | Jul 16, 2002 · Amount on File |
| Deed Document Number | 2006212873 |
| Deed Book / Page | 3116 / 745 |
| Last Transfer Date | Apr 6, 2018 |
| Transfer Doc | 0057280218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 117 JOEL CIR, SMITHSBURG, MD 21783-1584 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0065130141 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 6513/141 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Apr 16, 2018 |
| Property Address | 117 JOEL CIR, SMITHSBURG, MD 21783-1584 |
| Document Number | 0057280218 |
| Book / Page | 5728 / 0218 |
| Map Reference | FO4947 |
| Instrument Date | Apr 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | OLDE TOWN TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 117 JOEL CIR, SMITHSBURG, MD 21783-1584 |
| Document Number | 0005728223 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 5728/223 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2026 property tax bill for 117 Joel Cir was $2,684 with a homeowner's exemption, up 5.6% from the year before.
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 | $2,684.00 (+5.63%) Homeowner's exemption | $322,633 (+9.98%) | $351,900 (-) Land $66,800 Building $285,100 |
| 2025 | $2,541.00 (+5.65%) Homeowner's exemption | $293,367 | $351,900 Land $66,800 Building $285,100 |
| 2024 | $2,405.00 (+1.82%) | ||
| 2023 | $2,362.00 Homeowner's exemption | $258,200 | $264,100 Land $66,800 Building $197,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Joel Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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 risk around 117 Joel Cir 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 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.
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 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 |
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