12014 Steven Ave, Smithsburg, MD 21783 Property Records

Washington County property record for 12014 Steven Ave, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,269 sqft · built 1961
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jan 2023)
Tax Bill	$2,436 (2025)
Deeds & Mortgages	Jan 2023 Sale & Reverse Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-009720`

Property Details

APN / Parcel Number

Primary APN	`07-009720`
Alternative APN	`009720`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,269 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	324 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	009720
Street Address	12014 STEVEN AVE
City	SMITHSBURG
State	MD
Zip	21783-1552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 37 0.27 ACRES 12014 STEVEN AVE HOLIDAY ACRES SUB
Legal Subdivision	STEVEN AVE HOLIDAY ACRES SUB
Legal Lot Number	37
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	2
Census Block	2010
Census Tract	11202

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	Individual Name on Record
Mailing Address	12014 STEVEN AVE, SMITHSBURG, MD 21783-1552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Jan 24, 2020	Deed of Trust, Mortgage · VA Mortgage HOWARD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Jul 6, 2016 · Amount on Record
Deed Book / Page	7173 / 225
Record Updated	Sep 20, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 5, 2023
Property Address	12014 STEVEN AVE, SMITHSBURG, MD 21783-1552
Document Number	0071730225
Book / Page	7173 / 225
Map Reference	FO 367
Instrument Date	Dec 22, 2022
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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 in Severalty
Address	12014 STEVEN AVE, SMITHSBURG, MD 21783-1552

Mortgage

Document Number	0071730232
Date	Jan 5, 2023
Instrument	7173-0232

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.16%
Adjustable	Adjustable Rate Rider
Max Rate At Change	12.1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12014 STEVEN AVE, SMITHSBURG, MD 21783-1552
Document Number	0061720019
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12014 STEVEN AVE SMITHSBURG MD 217831552, SMITHSBURG, MD 21783-1552

Mortgage

Document Number	0061720019
Date	Jan 31, 2020
Book Page	006172/000019

Lender

Name	HOWARD BK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$282,033 (+11.71%)	$311,600 (-) Land $60,800 Building $250,800
2025	$2,436.00 (+14.04%) Homeowner's exemption	$252,467 (+22.9%)	$311,600 (+39.79%) Land $60,800 Building $250,800
2023	$2,136.00	$205,433	$222,900 Land $60,800 Building $162,100

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 Policies	1 in force
Nearby Flood Claims	2 (1993–1997)
Most Recent Claim	Dec 1997 · rainfall accumulation

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	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	CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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