Frederick County property record for 14015 Brown Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Lot Size | 10.5 acres (457,816 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,900 (Nov 2024) |
| Tax Bill | $1,319 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-278627 |
| Primary APN | 10-278627 |
|---|---|
| Alternative APN |
|
| Lot Area | 457,816 sqft (10.5 acres) |
|---|
| Sewer | Municipal |
|---|
| Account Number | 278627 |
|---|---|
| Street Address | 14015 BROWN RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 3 SECT 1 10.51 ACRES STOTTLEMYER SETTLEMENT |
| Legal Subdivision | STOTTLEMYER SETTLEMENT |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 752801 |
Source: Frederick County records, as of June 1, 2026
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 Record |
|---|---|
| Mailing Address | 468 LINKS VIEW DR, HAGERSTOWN, MD 21740-2900 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Feb 2, 2026 | Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM FINANCIAL GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2024 · Amount on Record |
| Deed Sale | Nov 18, 2024 · Amount on Record |
| Prior Sale | Mar 15, 2002 · Amount on Record |
| Deed Book / Page | 17117 / 226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 22, 2026 |
| Property Address | 14015 BROWN RD, SMITHSBURG, MD 21783-9211 |
| Document Number | 1787000352 |
| Book / Page | 17874 / 352 |
| Instrument Date | May 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 468 LINKS VIEW DR, HAGERSTOWN, MD 21740-2900 |
| Document Number | 1787000352, |
|---|---|
| Date | May 22, 2026 |
| Book Page | 17874/352 |
| Name | MIDDLETOWN VALLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 14015 BROWN RD, SMITHSBURG, MD 21783-9211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Name | Verified Name |
|---|---|
| Address | 468 LINKS VIEW DR, HAGERSTOWN, MD 21740-2900 |
| Document Number | 0177050193 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 17705/193 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Address | MIDDLETOWN, MD 21769 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Feb 1, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Feb 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.3% |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,319.00 (+11.5%) | $108,000 (+6.93%) Land $108,000 | $111,500 (+10.4%) Land $111,500 |
| 2023 | $1,183.00 | $101,000 Land $101,000 | $101,000 Land $101,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
4G LTE (outdoors only), no 5G reported
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