Washington County property record for 14 E Water St, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 1990 |
| Square Footage | 3,104 sqft Total Area |
| Lot Size | 9,280 sqft (0.213 acres) |
| Last Sale | $172,000 (2008) |
| Tax Bill | $2,195.00 (2025) |
Source: Washington County records · APN 07-007442
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 12907 OAK HILL AVE, 1, HAGERSTOWN, MD 21742-2926 |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK |
| Aug 03, 2018 | Grant Deed, Transfer BANK OF CHARLESTOWN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 09, 2008 · Amount on Record |
| Deed Sale | Jul 09, 2008 · Amount on Record |
| Prior Sale | Aug 22, 1988 · Amount on Record |
| Deed Doc Number | 2008432 |
| Deed Book / Page | 3522 / 328 |
| Transfer Doc | 0000005627 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 29, 2026 |
| Property Address | 14 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 7979000500 |
| Book / Page | 7979 / 500 |
| Instrument Date | Jul 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 06, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Document Number | 7979000500, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 7979/500 |
| Name | FIRST UNITED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Aug 03, 2018 |
| Property Address | 14 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0058060195 |
| Book / Page | 005806 / 000195 |
| Instrument Date | Jul 07, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | PREMIER SETTLEMENT AND TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5 S MAIN ST SMITHSBURG MD 217831950, SMITHSBURG, MD 21783-1950 |
| Document Number | 58060200 |
|---|---|
| Date | Aug 03, 2018 |
| Book Page | 005806/000200 |
| Name | BANK OF CHARLESTOWN |
|---|---|
| Type | Bank |
| Address | CHARLES TOWN, WV 25414 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Aug 02, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
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 | $270,433 (+12.23%) | $299,900 (-) Land $54,200 Building $245,700 | |
| 2025 | $2,195.00 (+16.57%) | $240,967 (+17.03%) | $299,900 (+41.8%) Land $54,200 Building $245,700 |
| 2023 | $1,883.00 | $205,900 | $211,500 Land $54,200 Building $157,300 |
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.
| Primary APN | 07-007442 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 3,104 sqft Total Area |
| Stories | 2 Stories |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,280 sqft (0.213 acres) |
| Porch Area | 382 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 007442 |
|---|---|
| Street Address | 14 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1604 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 40X232 14 E WATER ST |
| Legal Lot Number | 14 |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 7, SMITHSBURG |
| Census Blockgroup | 4 |
| Census Block | 4048 |
| Census Tract | 11301 |
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