Washington County property record for 12968 Rowe Rd, Smithsburg, MD 21783
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 3,590 sqft · built 1811 |
| Lot Size | 123 acres (5,376,611 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Sep 2015) |
| Tax Bill | $6,054 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2018 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-016581 |
| Primary APN | 07-016581 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,590 sqft Total Area |
| Year Built | Built 1811 |
|---|---|
| Effective Year Built | Effective 1811 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 5,376,611 sqft (123 acres) |
| Garage Type | Detached |
| Garage Area | 1,520 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 510 sqft |
| Shed | 1 Shed |
| Shed Area | 67,430 sqft |
| Milk House | 800 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 016581 |
|---|---|
| Street Address | 12968 ROWE RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A(R) |
| Legal Description | 123.43 ACRES 12968 ROWE RD |
| Legal Subdivision | HOFFMAN ROBERT M |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10200 |
12968 Rowe Rd, a rural home, is owned by two individuals who acquired it in January 2022.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22123 LEITESBG SMITHSBG RD, SMITHSBURG, MD 21783 |
| 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.
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage HORIZON FARM CREDIT ACA |
| Sep 7, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVEST BANK & TRUST CO |
| Oct 5, 2021 | Deed of Trust, Mortgage · Line of Credit MIDATLANTIC FARM CREDIT ACA |
| Oct 5, 2021 | Deed of Trust, Mortgage MIDATLANTIC FARM CREDIT ACA |
| Jan 13, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage MIDATLANTIC FARM CREDIT ACA |
| Feb 15, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2015 · Amount on File |
| Deed Sale | Sep 30, 2015 · Amount on File |
| Prior Sale | Oct 1, 2008 · Amount on File |
| Deed Book / Page | 5071 / 109 |
| Last Transfer Date | Jan 25, 2022 |
| Transfer Doc | 0069270487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0077870242 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 7787/242 |
| Name | HORIZON FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Address | MOUNT JOY, PA 17552 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0058280237 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 5828/0237 |
| Name | UNIVEST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SOUDERTON, PA 18964 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 31, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067830464 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 6783/464 |
| Name | MIDATLANTIC FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0067830482 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 6783/482 |
| Name | MIDATLANTIC FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0068970148 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 6897/148 |
| Name | MIDATLANTIC FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Feb 15, 2022 |
| Property Address | 12968 ROWE RD, SMITHSBURG, MD 21783-1311 |
| Document Number | 0069270487 |
| Book / Page | 6927 / 487 |
| Instrument Date | Jan 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22123 LEILERSBURG SMITHSBURG ROAD, SMITHSBURG, MD 21783-1337 |
The 2026 property tax bill for 12968 Rowe Rd was $6,054, down 0.3% from the year before.
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 | $6,054.00 (-0.35%) | $1,500,533 (+10.34%) | $1,641,200 (-) Land $136,200 Building $1,505,000 |
| 2025 | $6,075.00 (-18.78%) | $1,359,867 | $1,641,200 Land $136,200 Building $1,505,000 |
| 2024 | $7,480.00 (-39.45%) | ||
| 2023 | $12,353.00 | $1,187,800 | $1,219,200 Land $136,200 Building $1,083,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12968 Rowe Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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.
Wildfire risk around 12968 Rowe Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 · Cable in parts of the area | 2,300 / 2,300 |
| PA.net Fixed Wireless · not low latency | 200 / 50 |
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