Washington County property record for 12913 Unger Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1987 |
| Lot Size | 6.4 acres (278,784 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $16,900 (Mar 1985) |
| Tax Bill | $2,295 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-003207 |
| Primary APN | 09-003207 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 278,784 sqft (6.4 acres) |
| Deck Area | 192 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 003207 |
|---|---|
| Street Address | 12913 UNGER RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | 6.40 ACRES 12913 UNGER RD |
| Legal Subdivision | ELOISE H GEISER LANDS |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 9, LEITERSBURG |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12913 UNGER RD, SMITHSBURG, MD 21783-1307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE EXPRESS |
| Jun 18, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 1985 · Amount on Record |
| Deed Sale | Mar 29, 1985 · Amount on Record |
| Deed Book / Page | 781 / 626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12913 UNGER RD, SMITHSBURG, MD 21783-1307 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Title Company | MADISON SETTLEMENT SERVICES, MADISON STLMT SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 12913 UNGER RD, SMITHSBURG, MD 21783-1307 |
| Document Number | 0078400236 |
|---|---|
| Date | Jan 12, 2026 |
| Book Page | 7840/236 |
| Name | MORTGAGE EXPRESS |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, MI 48025 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12913 UNGER RD, SMITHSBURG, MD 21783-1307 |
| Document Number | 0060220402 |
| Instrument Date | Jun 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12913 UNGER RD SMITHSBURG MD 217831307, SMITHSBURG, MD 21783-1307 |
| Document Number | 0060220402 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 006022/000402 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 21, 2059 |
| Rate | 5.5% |
|---|
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 | $2,295.00 (+5.23%) Homeowner's exemption | $234,300 (+9.28%) | $254,200 (-) Land $117,000 Building $137,200 |
| 2025 | $2,181.00 (+8.45%) Homeowner's exemption | $214,400 (+10.86%) | $254,200 (+30.69%) Land $117,000 Building $137,200 |
| 2023 | $2,011.00 Homeowner's exemption | $193,400 | $194,500 Land $117,000 Building $77,500 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 2,300 / 2,300 |
| Starlink Satellite | 280 / 30 |
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