12825 Ritchie Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 12825 Ritchie Rd, Smithsburg, MD 21783 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 1980
Square Footage	978 sqft Total Area
Lot Size	856,825 sqft (19.6 acres)
Occupancy	Owner Occupied
Last Sale	$312,643 (1999)
Tax Bill	$4,543.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`07-014252`
Alternative APN	`014252`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	978 sqft Total Area
Basement Area	765 sqft Basement
Finished Basement	765 sqft Finished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame Construction
Roof Material	Wood Shingle Roof
Lot Area	856,825 sqft (19.6 acres)

Exterior Amenities

Total Buildings	2 Total Buildings
Shed	1 Shed
Shed Area	600 sqft Shed
Deck Area	547 sqft Deck
Porch	1 Porch
Porch Area	48 sqft Porch

Utilities and HVAC

Heating System	Baseboard Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	014252
Street Address	12825 RITCHIE RD
City	SMITHSBURG
State	MD
Zip	21783
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	19.674 ACRES 12825 & 12829 RITCHIE RD
Jurisdiction	WASHINGTON MD
Minor Civil Division	7, SMITHSBURG
Census Blockgroup	1
Census Block	1060
Census Tract	10100

Owner

Source: Washington County records · APN 07-014252

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	12829 RITCHIE RD, SMITHSBURG, MD 21783-2121
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2017	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV
Aug 01, 2017	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage RETIREMENT FNDG SOLUTIONS
Mar 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 1999 · Amount on Record
Deed Sale	Jun 01, 1999 · Amount on Record
Prior Sale	Nov 20, 1986 · Amount on Record
Deed Doc Number	19996266
Deed Book / Page	1499 / 261
Last Transfer Date	Mar 13, 2017
Transfer Doc	0054600281
Record Refreshed	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12825 RITCHIE RD # 12829, 12829, SMITHSBURG, MD 21783-2121
Document Number	0055790157
Instrument Date	Aug 01, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	12829 RITCHIE RD SMITHSBURG MD 217832121, SMITHSBURG, MD 21783-2121

Mortgage

Document Number	0055790157
Date	Aug 31, 2017
Book Page	005579/000157

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	984 Months
Due	Aug 30, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.6%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12825 RITCHIE RD # 12829, 12829, SMITHSBURG, MD 21783-2121
Document Number	0055790132
Instrument Date	Aug 01, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12829 RITCHIE RD SMITHSBURG MD 217832121, SMITHSBURG, MD 21783-2121

Mortgage

Document Number	0055790132
Date	Aug 31, 2017
Book Page	005579/000132

Lender

Name	RETIREMENT FNDG SOLUTIONS
Address	SAN DIEGO, CA 92108

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	984 Months
Due	Aug 30, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.6%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON MD
Recording Date	Mar 13, 2017
Property Address	12825 RITCHIE RD # 12829, 12829, SMITHSBURG, MD 21783-2121
Document Number	0054600281
Book / Page	005460 / 000281
Instrument Date	Mar 13, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12829 RITCHIE RD SMITHSBURG MD 217832121, SMITHSBURG, MD 21783-2121

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$490,167 (+8.01%)	$526,500 (-) Land $220,800 Building $305,700
2025	$4,543.00 (+9.73%) Homeowner's exemption	$453,833 (+12.79%)	$526,500 (+26.11%) Land $220,800 Building $305,700
2023	$4,140.00 Homeowner's exemption	$402,367	$417,500 Land $195,800 Building $221,700

Flood & Wildfire

12825 Ritchie Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Washington County (24043C), updated August 14, 2017

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 43rd percentile of exposed land nationally · 83rd in Maryland
Wildfire Likelihood	Moderate — about 1 in 1,852 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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