12734 Bradbury Ave, Smithsburg, MD 21783 Property Records

Washington County property record for 12734 Bradbury Ave, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,820 sqft · built 1932
Lot Size	0.656 acres (28,575 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jul 2007)
Tax Bill	$2,988 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Aug 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-006705`

Property Details

APN / Parcel Number

Primary APN	`07-006705`
Alternative APN	`006705`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,820 sqft Total Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	28,575 sqft (0.656 acres)
Lot Dimensions	300 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	409 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	006705
Street Address	12734 BRADBURY AVE
City	SMITHSBURG
State	MD
Zip	21783-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 100X300AV .66 AC 12734 BRADBURY AVE
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	2
Census Block	2001
Census Tract	11301

Owner

12734 Bradbury Ave is owned by two individuals who bought it in July 2007.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12931 BRADBURY AVE, SMITHSBURG, MD 21783-1409
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT FCU
Aug 7, 2020	Deed of Trust, Mortgage · Construction Mortgage CNB BANK & TRUST NA
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage CNB BANK INC
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit CNB BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2007 · Amount on File
Deed Sale	Jul 23, 2007 · Amount on File
Prior Sale	Mar 10, 1989 · Amount on File
Deed Document Number	2007216475
Deed Book / Page	3338 / 358
Prior Transfer Date	Oct 3, 1985
Prior Transfer Doc	0795000174
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058670185
Date	Nov 7, 2018
Book Page	5867/0185

Lender

Name	PATRIOT FCU
Type	Credit Union
Address	CHAMBERSBURG, PA 17201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063260237
Date	Aug 7, 2020
Book Page	6326/237

Lender

Name	CNB BANK & TRUST NA
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.89%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	3.89%
Max Rate At Change	5.64%
Index	Other
Max Rate	8.89%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404

Mortgage

Document Number	0067020410
Date	Jul 23, 2021
Book Page	6702/410

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12734 BRADBURY AVE, SMITHSBURG, MD 21783-1404

Mortgage

Document Number	0099990209
Date	Sep 21, 2021
Book Page	9999/209

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 11, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 12734 Bradbury Ave was $2,988, up 7.4% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

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	$2,988.00 (+7.37%)	$288,567 (+7.34%)	$308,300 (-) Land $69,200 Building $239,100
2025	$2,783.00 Homeowner's exemption	$268,833	$308,300 Land $69,200 Building $239,100
2023	$1,581.00 Homeowner's exemption	$211,567	$249,100 Land $69,200 Building $179,900

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

Flood

FEMA maps place 12734 Bradbury Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1988.

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	4 in force
Nearby Flood Claims	2 (1988–2006)
Most Recent Claim	Jun 2006 · 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

Wildfire risk around 12734 Bradbury Ave is low, with 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 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	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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Starlink Satellite	280 / 30

May also be available: Xfinity.

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