14159 Tower Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 14159 Tower Rd, Smithsburg, MD 21783 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3.5 Baths
Year Built	Built 1992
Square Footage	4,505 sqft Living Area
Lot Size	217,800 sqft (5 acres)
Garage	Attached, 709 sqft
Occupancy	Owner Occupied
Last Sale	$685,000 (2024)
Tax Bill	$8,476.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-276748`
Alternative APN	`276748`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	4,505 sqft Living Area
Gross Area	5,214 sqft Gross Area
1st Floor	4,005 sqft 1st Floor
Basement Area	500 sqft Basement
Finished Basement	500 sqft Finished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional Style
Exterior Material	Brick Exterior
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	217,800 sqft (5 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	709 sqft Garage

Exterior Amenities

Pool Area	800 sqft Pool
Shed	1 Shed
Shed Area	2,400 sqft Shed
Porch	Open Porch
Porch Area	90 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	276748
Street Address	14159 TOWER RD
City	SMITHSBURG
State	MD
Zip	21783-1158
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 5 SEC 2 5.00 ACRES RED FOX FARMS
Legal Subdivision	RED FOX FARMS
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Minor Civil Division	10, HAUVERS
Census Blockgroup	2
Census Block	2044
Census Tract	752900

Owner

Source: Frederick County records · APN 10-276748

Assessment roll updated August 4, 2025 · Last verified July 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 File
Mailing Address	14159 TOWER RD, SMITHSBURG, MD 21783-1158
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 14, 2024 · Amount on Record
Deed Sale	May 14, 2024 · Amount on Record
Prior Sale	Sep 14, 2009 · Amount on Record
Deed Book / Page	16862 / 259
Record Refreshed	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14159 TOWER RD, SMITHSBURG, MD 21783-1158
Transaction Type	Mortgage
Record Updated	Nov 03, 2025
Title Company	SECURITY TITLE GUARANTEE CORPORATION, SECURITY TTL GUARANTEE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175640163
Date	Oct 20, 2025
Book Page	17564/163

Lender

Name	BULLDOG FCU
Type	Credit Union
Address	HAGERSTOWN, MD 21742

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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
2025	$8,476.00 (+27.29%)	$681,533 (+22.67%)	$744,500 (+34%) Land $100,500 Building $644,000
2023	$6,659.00	$555,600 Land $90,000 Building $465,600	$555,600 Land $90,000 Building $465,600

Flood & Wildfire

14159 Tower Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 41st in Maryland
Wildfire Likelihood	Low — about 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.