18 E Water St, Smithsburg, MD 21783 Property Records

Washington County property record for 18 E Water St, Smithsburg, MD 21783 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1909
Square Footage	1,692 sqft Total Area
Lot Size	10,694 sqft (0.246 acres)
Pool	In-Ground Vinyl Pool
Occupancy	Owner Occupied
Last Sale	$290,000 (2025)
Tax Bill	$1,623.00 (2025)

Owner

Source: Washington County records · APN 07-013949

Assessment roll updated August 4, 2025 · Last verified August 2026

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	18 E WATER ST, SMITHSBURG, MD 21783-1604
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 09, 2025 · Amount on Record
Deed Sale	Oct 09, 2025 · Amount on Record
Prior Sale	Dec 12, 2014 · Amount on Record
Deed Book / Page	7778 / 475
Record Refreshed	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 09, 2025
Property Address	18 E WATER ST, SMITHSBURG, MD 21783-1604
Document Number	0077780475
Book / Page	7778 / 475
Instrument Date	Oct 09, 2025
Transaction Type	Transfer
Record Updated	Oct 27, 2025
Title Company	UNKNOWN, OLDE TOWNE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 E WATER ST, SMITHSBURG, MD 21783-1604

Mortgage

Document Number	0007778482
Date	Oct 09, 2025
Instrument	7778/482

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Smithsburg Town
Unified School District	Washington 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
2026		$198,267 (+11.3%)	$218,400 (-) Land $55,200 Building $163,200
2025	$1,623.00 (+16.85%) Homeowner's exemption	$178,133 (+17.32%)	$218,400 (+38.23%) Land $55,200 Building $163,200
2023	$1,389.00 Homeowner's exemption	$151,833	$158,000 Land $55,200 Building $102,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN	`07-013949`
Alternative APN	`013949`

Interior

Full Baths	1 Baths
Building Area	1,692 sqft Total Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Stone Exterior
Construction Type	Frame Construction
Roof Material	Metal Roof
Lot Area	10,694 sqft (0.246 acres)
Depth X Width	257 ft x 42 ft Depth x Width
Pool Type	In-Ground Vinyl Pool Pool Type
Pool Area	512 sqft Pool
Porch Area	165 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	013949
Street Address	18 E WATER ST
City	SMITHSBURG
State	MD
Zip	21783-1604
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 57 42X257 .25AC 18 E WATER ST
Legal Subdivision	TOWN SMITHSBURG
Legal Lot Number	57
Jurisdiction	WASHINGTON MD
Minor Civil Division	7, SMITHSBURG
Census Blockgroup	4
Census Block	4048
Census Tract	11301