Frederick County property record for 13223 Loy Wolfe Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,200 sqft · built 1969 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,713 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-187846 |
| Primary APN | 06-187846 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft |
| Garage Area | 1,008 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 187846 |
|---|---|
| Street Address | 13223 LOY WOLFE RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 3 AC E/S LOY WOLFE RD. N/BLACK ROCK RD. |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 6, CATOCTIN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 752802 |
13223 Loy Wolfe Rd is owned and occupied by two individuals.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13223 LOY WOLFE RD, SMITHSBURG, MD 21783-9366 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 13223 LOY WOLFE RD, SMITHSBURG, MD 21783-9366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0129250093 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 12925/0093 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MYERSVILLE, MD 21773 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 13223 Loy Wolfe Rd was $3,713 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $330,100 Land $129,800 Building $200,300 | $330,100 Land $129,800 Building $200,300 | |
| 2025 | $3,713.00 | ||
| 2023 | $3,232.00 Homeowner's exemption | $263,200 Land $104,800 Building $158,400 | $263,200 Land $104,800 Building $158,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13223 Loy Wolfe Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · 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 | 1 in force |
| Nearby Flood Claims | 2 (2006–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 13223 Loy Wolfe Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 84% of Maryland |
|---|---|
| Wildfire Likelihood | 0.07% 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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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