Washington County property record for 12803 Rowe Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,368 sqft · built 1900 |
| Lot Size | 0.51 acres (22,215 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $188,000 (Oct 2020) |
| Tax Bill | $2,288 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 07-009275 |
| Primary APN | 07-009275 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,368 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 22,215 sqft (0.51 acres) |
| Lot Dimensions | 160 ft deep x 140 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Account Number | 009275 |
|---|---|
| Street Address | 12803 ROWE RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | LOT 140X160 .51 A 12803 ROWE RD |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 11301 |
Source: Washington County records, as of October 20, 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 | 12803 ROWE RD, SMITHSBURG, MD 21783-1310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 30, 2017 | Grant Deed, Transfer ACCESS NAT'L MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2020 · Amount on Record |
| Deed Sale | Oct 29, 2020 · Amount on Record |
| Prior Sale | Jun 10, 2013 · Amount on Record |
| Deed Book / Page | 6408 / 120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Oct 29, 2020 |
| Property Address | 12803 ROWE RD, SMITHSBURG, MD 21783-1310 |
| Document Number | 0064080120 |
| Book / Page | 6408 / 120 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12803 ROWE RD, SMITHSBURG, MD 21783-1310 |
| Document Number | 0064080126 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 6408/126 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jan 30, 2017 |
| Property Address | 12803 ROWE RD, SMITHSBURG, MD 21783-1310 |
| Document Number | 0054300063 |
| Book / Page | 005430 / 000063 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 12803 ROWE RD SMITHSBURG MD 217831310, SMITHSBURG, MD 21783-1310 |
| Document Number | 54300069 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 005430/000069 |
| Name | ACCESS NAT'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | RESTON, VA 20191 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 29, 2047 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,288.00 (+9.58%) | $215,167 (+9.87%) | $234,500 (-) Land $59,400 Building $175,100 |
| 2025 | $2,088.00 (+25.03%) | $195,833 (+21.91%) | $234,500 (+32.86%) Land $59,400 Building $175,100 |
| 2023 | $1,670.00 | $160,633 | $176,500 Land $59,400 Building $117,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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: FCC Broadband Data Collection, based on 13 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 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
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