13322 Loy Wolfe Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 13322 Loy Wolfe Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,560 sqft · built 1983
Lot Size	5.25 acres (228,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Aug 2023)
Tax Bill	$5,651 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-186742`

Property Details

APN / Parcel Number

Primary APN	`06-186742`
Alternative APNs	`6186742` `186742`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,088 sqft
1st Floor Area	1,710 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	228,690 sqft
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	186742
Street Address	13322 LOY WOLFE RD
City	SMITHSBURG
State	MD
Zip	21783-9367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	5 1/4 AC W/S LOY WOLFE RD.
Legal Subdivision	GOOD HOPE ENLARGED
Jurisdiction	FREDERICK MD
Township / Civil Division	6, CATOCTIN
Census Block Group	1
Census Block	1000
Census Tract	752802

Owner

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13322 LOY WOLFE RD, SMITHSBURG, MD 21783-9367
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 8, 2019	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on Record
Deed Sale	Aug 2, 2023 · Amount on Record
Deed Book / Page	16542 / 321
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 2, 2023
Property Address	13322 LOY WOLFE RD, SMITHSBURG, MD 21783-9367
Document Number	0165420321
Book / Page	16542 / 321
Map Reference	LB 411 FO 171
Instrument Date	Jul 31, 2023
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	COMMUNITY SETTLEMENTS & ESCROW LLC, COMMUNITY STLMTS & ESCROW LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13322 LOY WOLFE RD, SMITHSBURG, MD 21783-9367

Mortgage

Document Number	0016542328
Date	Aug 2, 2023
Instrument	16542/328

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	13322 LOY WOLFE RD, SMITHSBURG, MD 21783-9367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130710239
Date	Jul 8, 2019
Book Page	13071/0239

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	HAGERSTOWN, MD 21740

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$499,300 (+41.65%) Land $135,200 Building $364,100	$499,300 (+41.65%) Land $135,200 Building $364,100
2025	$5,651.00 (+32.06%)
2023	$4,279.00 (+3.99%) Homeowner's exemption	$352,500 (+4.14%) Land $110,200 Building $242,300	$352,500 (-) Land $110,200 Building $242,300
2022	$4,115.00 Homeowner's exemption	$338,500	$352,500 Land $110,200 Building $242,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 87% 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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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