14543 Edgemont Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 14543 Edgemont Rd, Smithsburg, MD 21783

Property Summary

Property Type	Residential Vacant Land
Lot Size	4.39 acres (191,228 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,900 (Apr 2024)
Tax Bill	$907 (2026)
Deeds & Mortgages	Oct 2025 Construction Loan Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-018220`

Property Details

APN / Parcel Number

Primary APN	`14-018220`
Alternative APN	`018220`

Exterior

Lot Area	191,228 sqft (4.39 acres)

Location & Zoning

Account Number	018220
Street Address	14543 EDGEMONT RD
City	SMITHSBURG
State	MD
Zip	21783-1143
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	EC
Legal Description	LOT 3 4.39 ACRES 14543 EDGEMONT ROAD
Legal Lot Number	3
Jurisdiction	WASHINGTON MD
Township / Civil Division	14, RINGGOLD
Census Block Group	1
Census Block	1002
Census Tract	10200

Owner

Source: Washington County records, as of October 20, 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	1013 REAGANS RD, 413, FREDERICK, MD 21702-1580
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Construction Mortgage PRESIDENTIAL BANK FSB
Apr 26, 2024	Deed, Subdivision Related Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Jun 14, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Deed Book / Page	7443 / 117
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	14543 EDGEMONT RD, SMITHSBURG, MD 21783-1143
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	KVS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14543 EDGEMONT RD, SMITHSBURG, MD 21783-1143

Mortgage

Document Number	0077840305
Date	Oct 20, 2025
Book Page	7784/305

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	12.7%
Index	1-Year CMT
Max Rate	12.7%

April 2024: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Apr 26, 2024
Property Address	14543 EDGEMONT RD, SMITHSBURG, MD 21783-1143
Document Number	0074430117
Book / Page	7443 / 117
Map Reference	MB 9077 PG
Instrument Date	Apr 18, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	May 9, 2024
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.50
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	424 ORCHARD CREST CIR, NEW MARKET, MD 21774-6542

Mortgage

Document Number	0074430144
Date	Apr 26, 2024
Instrument	7443-0144

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	May 1, 2027

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 14, 2022
Property Address	14543 EDGEMONT RD, SMITHSBURG, MD 21783-1143
Document Number	0070360265
Book / Page	7036 / 265
Map Reference	PL 9079
Instrument Date	Jun 7, 2022
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 94, WOODSTOCK, MD 21163-0094

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$907.00 (+3.42%)	$87,567 (+3.34%)	$90,400 (-) Land $90,400
2025	$877.00 (+3.06%)	$84,733 (+3.46%)	$90,400 (+10.38%) Land $90,400
2023	$851.00	$81,900 Land $81,900	$81,900 Land $81,900

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 August 14, 2017 · 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	2 in force

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
PA.net Fixed Wireless · not low latency	200 / 50

May also be available: Verizon.

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