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13522 John Kline Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 13522 John Kline Rd, Smithsburg, MD 21783

Property Summary

Property TypeSingle Family Home
Details1 ba · 868 sqft · built 1976
Lot Size1.6 acres (69,696 sqft)
OwnerIndividual Name on File
Last Sale$197,000 (Mar 2026)
Tax Bill$2,931 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Jan 2011 Mortgage
Flood ZoneZone X (minimal risk)
APN06-188478

Property Details

APN / Parcel Number

Primary APN06-188478
Alternative APNs
  • 6188478
  • 188478

Interior

Full Baths1 Bath
Stories1 Story
Building Area868 sqft Living Area
1st Floor Area868 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area69,696 sqft (1.6 acres)
PorchOpen Porch
Porch Area56 sqft
Deck Area120 sqft

Utilities, Heating & Cooling

Heating FuelElectric
SewerConnected

Location & Zoning

Account Number188478
Street Address13522 JOHN KLINE RD
CitySMITHSBURG
StateMD
Zip21783-9111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA
Legal DescriptionLT 2 SECT 5 1.60 AC JOHN CLINE RD HIGHLAND FARMS
Legal SubdivisionHIGHLAND FARMS
Legal Lot Number2
JurisdictionFREDERICK MD
Township / Civil Division6, CATOCTIN
Census Block Group1
Census Block1009
Census Tract752801

Owner

13522 John Kline Rd is owned and occupied by an individual who bought it in March 2026.

Source: Frederick County records, as of July 14, 2026

Owner of RecordIndividual Name on File
Mailing Address13522 JOHN KLINE RD, SMITHSBURG, MD 21783-9111
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

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

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2026Deed, Transfer · FHA Mortgage
AMERICAN FINANCIAL RESOURCES INC
Jan 6, 2011Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 12, 2026 · Amount on File
Deed SaleMar 12, 2026 · Amount on File
Prior SaleMay 8, 1987 · Amount on File
Deed Book / Page17764 / 166
Record UpdatedSep 20, 2026

March 2026: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateMar 12, 2026
Property Address13522 JOHN KLINE RD, SMITHSBURG, MD 21783-9111
Document Number0177640166
Book / Page17764 / 166
Map ReferenceMB 9 FO 169
Instrument DateFeb 10, 2026
Transaction TypeTransfer
Record UpdatedMar 30, 2026
Title CompanyGEMINI TITLE AND ESCROW LLC, GEMINI TITLE & ESCROW LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$492.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address13522 JOHN KLINE RD, SMITHSBURG, MD 21783-9111

Mortgage

Document Number0017764173
DateMar 12, 2026
Instrument17764/173
Lender
NameAMERICAN FINANCIAL RESOURCES INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2056

January 2011: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address13522 JOHN KLINE RD, SMITHSBURG, MD 21783-9111
Document Number0125080280
Instrument DateJan 6, 2011
Transaction TypeMortgage
Record UpdatedJul 31, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address13522 JOHN KLINE RD SMITHSBURG MD 217839111, SMITHSBURG, MD 21783-9111

Mortgage

Document Number0125080280
DateJul 9, 2018
Book Page012508/000280
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 13522 John Kline Rd was $2,931, up 11.1% from the year before.

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,931.00 (+11.06%)$227,767$249,800 Land $126,400 Building $123,400
2024$2,639.00 (+14.74%)
2023$2,300.00 Homeowner's exemption$183,700 Land $101,400 Building $82,300$183,700 Land $101,400 Building $82,300

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

Flood

FEMA maps place 13522 John Kline Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims4 (1996–2012)
Claims Outside the SFHA2 of 4
Most Recent ClaimOct 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

Wildfire risk around 13522 John Kline Rd is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · above 84% of Maryland
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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