14301 Tower Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 14301 Tower Rd, Smithsburg, MD 21783

Property Summary

Property Type	Rural Home
Details	3 ba · 2,712 sqft · built 2021
Lot Size	64 acres (2,787,840 sqft)
Owner	Individual Name on File
Last Sale	$1,260,000 (Nov 2025)
Tax Bill	$6,498 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-276373`

Property Details

APN / Parcel Number

Primary APN	`10-276373`
Alternative APN	`276373`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,712 sqft Total Area
1st Floor Area	908 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Metal
Lot Area	2,787,840 sqft (64 acres)
Porch	Open Porch
Porch Area	204 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	276373
Street Address	14301 TOWER RD
City	SMITHSBURG
State	MD
Zip	21783-9269
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
Legal Description	64.00 ACRES E/S FOX. TOWER ROAD
Legal Subdivision	SNOWY MOUNTAIN
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	2
Census Block	2044
Census Tract	752900

Owner

Source: Frederick County records · APN 10-276373

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Nov 19, 2025	Deed, Transfer · Conventional Mortgage TRUIST BANK
May 17, 2019	Deed of Trust, Mortgage · Construction Mortgage FREDERICK COUNTY BANK
Oct 13, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Oct 13, 2017 · Amount on Record
Deed Document Number	0001761014
Deed Book / Page	17610 / 14
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269
Transaction Type	Mortgage
Record Updated	Dec 05, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269

Mortgage

Document Number	0164970233
Date	Jun 27, 2023
Book Page	16497/233

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	HAGERSTOWN, MD 21740

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 19, 2025
Property Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269
Document Number	0176100014
Book / Page	17610 / 14
Instrument Date	Nov 07, 2025
Transaction Type	Transfer
Record Updated	Dec 05, 2025
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
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 in Severalty
Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269

Mortgage

Document Number	0001761024
Date	Nov 19, 2025
Instrument	17610/24

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Dec 01, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0129750011
Date	May 17, 2019
Book Page	12975/0011

Lender

Name	FREDERICK COUNTY BANK
Type	Bank
Address	FREDERICK, MD 21702

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 13, 2017
Property Address	14301 TOWER RD, SMITHSBURG, MD 21783-9269
Document Number	0120800001
Book / Page	012080 / 000001
Instrument Date	Sep 28, 2017
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5090 MONTERVILLE RD FREDERICK MD 21703, FREDERICK, MD 21703

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,498.00 (+15.29%) Homeowner's exemption	$583,967 (+24.7%)	$641,800 (+37.05%) Land $111,500 Building $530,300
2023	$5,636.00 Homeowner's exemption	$468,300 Land $101,000 Building $367,300	$468,300 Land $101,000 Building $367,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Based on FCC filings for 8 locations within half a mile of this property.

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