16227 Shaffer Rd, Sharpsburg, MD 21782 Property Records

Washington County property record for 16227 Shaffer Rd, Sharpsburg, MD 21782

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,906 sqft · built 2023
Lot Size	3.14 acres (136,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jun 2024)
Tax Bill	$5,332 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-012455`

Property Details

APN / Parcel Number

Primary APN	`20-012455`
Alternative APN	`012455`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,906 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	136,778 sqft (3.14 acres)
Garage Type	Mixed
Garage Area	1,075 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	012455
Street Address	16227 SHAFFER RD
City	SHARPSBURG
State	MD
Zip	21782-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOT 7 3.14 ACRES 16227 SHAFFER ROAD
Legal Subdivision	CAPONE
Legal Lot Number	7
Jurisdiction	WASHINGTON MD
Township / Civil Division	20, DOWNSVILLE
Census Block Group	2
Census Block	2030
Census Tract	10902

Owner

Source: Washington County records, as of August 18, 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	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage 1ST RATE HOME MORTGAGE INC
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CNB BANK INC
Feb 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK
Mar 10, 2022	Deed, Transfer PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL
Apr 26, 2018	Grant Deed, Transfer PREMIER SETTLEMENT AND TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on Record
Deed Sale	Jun 25, 2024 · Amount on Record
Prior Sale	Mar 10, 2022 · Amount on Record
Deed Book / Page	7480 / 221
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036

Mortgage

Document Number	0078720448
Date	Mar 4, 2026
Book Page	7872/448

Lender

Name	1ST RATE HOME MORTGAGE INC
Type	Mortgage Company
Address	TEMPE, AZ 85282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036

Mortgage

Document Number	0069850109
Date	Apr 14, 2022
Book Page	6985/109

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	Other
Max Rate	1.75%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056970003
Date	Feb 26, 2018
Book Page	5697/0003

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	MAUGANSVILLE, MD 21767

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Jan 26, 2021

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Mar 10, 2022
Property Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Document Number	0069500007
Book / Page	6950 / 7
Instrument Date	Mar 3, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL

Transaction

Amount	Amount Recorded
Tax	$0.00
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 by the Entirety
Address	10700 PICKET COURT, SHARPSBURG, MD 21782

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Apr 26, 2018
Property Address	16227 SHAFFER RD, SHARPSBURG, MD 21782-1036
Document Number	0057360124
Book / Page	005736 / 000124
Instrument Date	Apr 17, 2018
Transaction Type	Transfer
Record Updated	May 4, 2018
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16235 SHAFFER RD SHARPSBURG MD 217821036, SHARPSBURG, MD 21782-1036

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$600,700 (+10.91%) Land $96,400 Building $504,300	$600,700 (-) Land $96,400 Building $504,300
2025	$5,332.00 (+1.81%) Homeowner's exemption	$541,600 (+7.55%)	$600,700 (+19.28%) Land $96,400 Building $504,300
2023	$5,237.00	$503,600 Land $85,000 Building $418,600	$503,600 Land $85,000 Building $418,600

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2025)
Most Recent Claim	May 2025 · rainfall accumulation

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	Low lower than 80% of the US · above 41% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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