Washington County property record for 13016 Rowe Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,666 sqft · built 2018 |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $105,000 (Oct 2017) |
| Tax Bill | $6,291 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-038585 |
| Primary APN | 07-038585 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,666 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 51,401 sqft (1.18 acres) |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 210 sqft |
| Shed | 1 Shed |
| Shed Area | 1,080 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 038585 |
|---|---|
| Street Address | 13016 ROWE RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | LOT 3 1.18 ACRES 13016 ROWE ROAD |
| Legal Subdivision | ROBERT & GRACE GREEN |
| Legal Lot Number | 3 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit APL FCU |
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 29, 2019 | Deed of Trust, Mortgage EMBRACE HM LOANS |
| Oct 19, 2017 | Deed, Construction Loan · Construction Mortgage CNB BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2017 · Amount on Record |
| Deed Sale | Oct 19, 2017 · Amount on Record |
| Deed Document Number | 20175615-0365 |
| Deed Book / Page | 5615 / 365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Document Number | 0078000195 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 7800/195 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Oct 19, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0063420019 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 6342/19 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Document Number | 0059520395 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2019 |
| Title Company | CROWN TITLE COMPANY, CROWN TITLE CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 13016 ROWE RD SMITHSBURG MD 21783, SMITHSBURG, MD 21783 |
| Document Number | 0059520395 |
|---|---|
| Date | Apr 9, 2019 |
| Book Page | 005952/000395 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 8, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Oct 19, 2017 |
| Property Address | 13016 ROWE RD, SMITHSBURG, MD 21783-1312 |
| Document Number | 0056150365 |
| Book / Page | 5615 / 0365 |
| Map Reference | FO9867 |
| Instrument Date | Oct 17, 2017 |
| Instrument | 5615-0365 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 11, 2022 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 COLTON CT, SMITHSBURG, MD 21783-1594 |
| Document Number | 0056150373 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 5615-0373 |
| Name | CNB BANK INC |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 17, 2018 |
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 | $6,291.00 (+5.48%) Homeowner's exemption | $652,100 (+9.38%) | $708,000 (-) Land $76,300 Building $631,700 |
| 2025 | $5,964.00 (+13.45%) Homeowner's exemption | $596,200 (+17.93%) | $708,000 (+31.04%) Land $76,300 Building $631,700 |
| 2023 | $5,257.00 | $505,567 | $540,300 Land $76,300 Building $464,000 |
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 | Indirect within 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 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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