Washington County property record for 13 E Water St, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 1800 |
| Square Footage | 4,530 sqft Total Area |
| Lot Size | 21,780 sqft (0.5 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $380,000 (2023) |
| Tax Bill | $2,342.00 (2025) |
| Primary APN | 07-006756 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 4,530 sqft Total Area |
| Stories | 2 Stories |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Exterior Material | Stucco Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 21,780 sqft (0.5 acres) |
| Depth X Width | 264 ft x 82 ft Depth x Width |
| Porch | 1 Porch |
| Porch Area | 440 sqft Porch |
| Heating System | Radiant Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 006756 |
|---|---|
| Street Address | 13 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1605 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 82.5X264 13-15 E WATER STREET |
| Legal Lot Number | 13-15 |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 7, SMITHSBURG |
| Census Blockgroup | 4 |
| Census Block | 4021 |
| Census Tract | 11301 |
Source: Washington County records · APN 07-006756
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 | Individual Name on File |
|---|---|
| Mailing Address | 13 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 12, 2023 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage MICHIGAN MUTUAL INC |
| Apr 02, 2021 | Deed of Trust, Mortgage · Commercial Mortgage ACNB BANK |
| Apr 02, 2021 | Deed of Trust, Mortgage · Line of Credit ACNB BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on Record |
| Deed Sale | May 12, 2023 · Amount on Record |
| Prior Sale | Mar 04, 2015 · Amount on Record |
| Deed Doc Number | 2023 |
| Deed Book / Page | 7244 / 147 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 12, 2023 |
| Property Address | 13 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Document Number | 0072440147 |
| Book / Page | 7244 / 147 |
| Instrument Date | May 04, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Title Company | PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 E WATER ST # 15, 15, SMITHSBURG, MD 21783-1605 |
| Document Number | 0072440153 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 7244-0153 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 13 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0065710133 |
|---|---|
| Date | Apr 02, 2021 |
| Book Page | 6571/133 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 13 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0065710157 |
|---|---|
| Date | Apr 02, 2021 |
| Book Page | 6571/157 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
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 | $304,967 (+18.6%) | $352,800 (-) Land $58,500 Building $294,300 | |
| 2025 | $2,342.00 (+22.88%) | $257,133 (+25.82%) | $352,800 (+68.56%) Land $58,500 Building $294,300 |
| 2024 | $1,906.00 (+1.98%) | ||
| 2023 | $1,869.00 | $204,367 | $209,300 Land $58,500 Building $150,800 |
Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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