14004 Brown Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 14004 Brown Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 2020
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (May 2024)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-269849`

Property Details

APN / Parcel Number

Primary APN	`10-269849`
Alternative APN	`269849`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	80,150 sqft (1.84 acres)
Porch	Open Porch
Porch Area	108 sqft
Deck Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	269849
Street Address	14004 BROWN RD
City	SMITHSBURG
State	MD
Zip	21783-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	1.84 AC W/S BROWN RD.
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1003
Census Tract	752801

Owner

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

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 File
Mailing Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE, LLC
May 7, 2024	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Jan 10, 2020	Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 7, 2024 · Amount on Record
Deed Sale	May 7, 2024 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Book / Page	16854 / 1
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jun 9, 2026
Property Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210
Document Number	1790000001
Book / Page	17904 / 1
Instrument Date	May 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LEGACYHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210
Investor	Possibly a Property Investor

Mortgage

Document Number	1790000001,
Date	Jun 9, 2026
Book Page	17904/1

Lender

Name	NATIONS DIRECT MORTGAGE, LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 7, 2024
Property Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210
Document Number	0168540001
Book / Page	16854 / 1
Map Reference	LB 85 PG 163
Instrument Date	Apr 26, 2024
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
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	14004 BROWN RD, SMITHSBURG, MD 21783-9210

Mortgage

Document Number	0000168547
Date	May 7, 2024
Instrument	16854/7

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	12.2%
Index	1-Year T-Bill
Margin	3
Max Rate	12.2%

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 10, 2020
Property Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210
Document Number	0134520181
Book / Page	13452 / 0181
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CLA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$657.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14004 BROWN RD, SMITHSBURG, MD 21783-9210

Mortgage

Document Number	134520189
Date	Jan 10, 2020
Instrument	13452/0189

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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

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
2025	$3,317.00 (+22.22%)	$264,300 (+17.94%)	$284,400 (+26.91%) Land $86,200 Building $198,200
2023	$2,714.00 Homeowner's exemption	$224,100 Land $75,700 Building $148,400	$224,100 Land $75,700 Building $148,400

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	3 in force
Nearby Flood Claims	4 (1996–2012)
Claims Outside the SFHA	2 of 4
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	Low lower than 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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