1589 Smiley Dr, New Windsor, MD 21776 Property Records

Carroll County property record for 1589 Smiley Dr, New Windsor, MD 21776

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,584 sqft · built 1985
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Last Sale	$549,000 (Apr 2026)
Tax Bill	$4,539 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-012590`

Property Details

APN / Parcel Number

Primary APN	`11-012590`
Alternative APN	`012590`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,584 sqft Total Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	65,776 sqft (1.51 acres)
Garage Type	Basement
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	012590
Street Address	1589 SMILEY DR
City	NEW WINDSOR
State	MD
Zip	21776-8608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 16 - 1.51 ACS 1589 SMILEY DR 26-87 HAPPY ACRES PLT B
Legal Subdivision	HAPPY ACRES
Legal Lot Number	16
Jurisdiction	CARROLL MD
Township / Civil Division	11, NEW WINDSOR
Census Block Group	2
Census Block	2006
Census Tract	511000

Owner

1589 Smiley Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1589 SMILEY DR, NEW WINDSOR, MD 21776-8608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION
Aug 22, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Aug 22, 2023 · Amount on File
Deed Book / Page	11751 / 480
Prior Transfer Date	Oct 15, 2008
Prior Transfer Doc	0056300023
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 30, 2026
Property Address	1589 SMILEY DR, NEW WINDSOR, MD 21776-8608
Document Number	1175000480
Book / Page	11751 / 480
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554,490.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1589 SMILEY DR, NEW WINDSOR, MD 21776-8608

Mortgage

Document Number	1175000486,
Date	Apr 30, 2026
Book Page	11751/486

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 22, 2023
Property Address	1589 SMILEY DR, NEW WINDSOR, MD 21776-8608
Document Number	0110980266
Book / Page	11098 / 266
Map Reference	MB 26 FO 87
Instrument Date	Aug 18, 2023
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	NOT AVAILABLE, LAND ABSTRACT E SCROW L LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0110980271
Date	Aug 22, 2023
Instrument	11098-0271

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 1589 Smiley Dr was $4,539, up 39.9% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,539.00 (+39.88%)	$400,000 (+19.47%)	$465,200 (-) Land $135,100 Building $330,100
2025	$3,245.00 Homeowner's exemption	$334,800	$465,200 Land $135,100 Building $330,100
2023	$3,028.00 (+0.6%)	$268,000 (+0.6%)	$269,600 (-) Land $135,100 Building $134,500
2022	$3,010.00	$266,400	$269,600 Land $135,100 Building $134,500

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

Flood

FEMA maps place 1589 Smiley Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 1589 Smiley Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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