Washington County property record for 12 E Water St, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,872 sqft Total Area |
| Lot Size | 5,097 sqft (0.117 acres) |
| Garage | Detached, 2,289 sqft |
| Last Sale | $295,000 (2024) |
| Tax Bill | $1,473.00 (2025) |
Source: Washington County records · APN 07-015852
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 | 7649 BLACK RD, THURMONT, MD 21788-1006 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 23, 2024 | Deed, Transfer · Conventional Mortgage WOODSBORO BANK |
| Aug 07, 2023 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 20, 2021 | Intrafamily Transfer, Transfer |
| Sep 26, 2017 | Deed of Trust, Mortgage · Commercial Mortgage MIDDLETOWN VALLEY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 23, 2024 · Amount on Record |
| Deed Sale | Feb 23, 2024 · Amount on Record |
| Prior Sale | Mar 21, 1989 · Amount on Record |
| Prior Transfer Date | Nov 19, 2021 |
| Prior Transfer Doc | 0068720290 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Feb 23, 2024 |
| Property Address | 12 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0074080260 |
| Book / Page | 7408 / 260 |
| Map Reference | FO 11285 |
| Instrument Date | Feb 16, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2024 |
| Title Company | UNLIMITED TITLE SERVICES LLC, UNITED TITLE SERVICE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 12 E WALER STREET, SMITHSBURG, MD 21783-1604 |
| Document Number | 0074080269 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | 7408-0269 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Aug 07, 2023 |
| Property Address | 12 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0072950227 |
| Book / Page | 7295 / 227 |
| Map Reference | FO 11285 |
| Instrument Date | Aug 07, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 22840 STEVENSON RD, SMITHSBURG, MD 21783-1352 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Dec 20, 2021 |
| Property Address | 12 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0068720290 |
| Book / Page | 6872 / 290 |
| Map Reference | FO 11285 |
| Instrument Date | Nov 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 297, SMITHSBURG, MD 21783-0297 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055970058 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 5597/0058 |
| Instrument | 5597-0058 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $179,233 (+10.87%) | $196,800 (-) Land $50,000 Building $146,800 | |
| 2025 | $1,473.00 (+12.27%) | $161,667 (+14.87%) | $196,800 (+36.57%) Land $50,000 Building $146,800 |
| 2024 | $1,312.00 (+1.94%) | ||
| 2023 | $1,287.00 (+2.47%) | $140,733 (+2.45%) | $144,100 (-) Land $50,000 Building $94,100 |
| 2022 | $1,256.00 | $137,367 | $144,100 Land $50,000 Building $94,100 |
Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 07-015852 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,872 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,097 sqft (0.117 acres) |
| Parking Spaces | 7 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 2,289 sqft Garage |
| Porch Area | 100 sqft Porch |
| Heating Fuel | Electric Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 015852 |
|---|---|
| Street Address | 12 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1604 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 0.117 ACRES REM LAND 12 E WATER ST |
| Legal Lot Number | 12 |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 7, SMITHSBURG |
| Census Blockgroup | 4 |
| Census Block | 4048 |
| Census Tract | 11301 |
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