20 Chips Ct, Smithsburg, MD 21783 Property Records

Washington County property record for 20 Chips Ct, Smithsburg, MD 21783 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1977
Square Footage	1,560 sqft Total Area
Lot Size	10,000 sqft (0.23 acres)
Garage	Attached, 624 sqft
Occupancy	Owner Occupied
Last Sale	$94,700 (1993)
Tax Bill	$1,864.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`07-014511`
Alternative APN	`014511`

Interior

Full Baths	2 Baths
Building Area	1,560 sqft Total Area
Basement Area	500 sqft Basement
Finished Basement	500 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	10,000 sqft (0.23 acres)
Depth X Width	125 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	624 sqft Garage
Porch Area	312 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	014511
Street Address	20 CHIPS CT
City	SMITHSBURG
State	MD
Zip	21783-9710
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 12 80X125 .23 AC 20 CHIPS COURT CHIPS MEADOW
Legal Subdivision	CHIPS MEADOW
Legal Lot Number	12
Jurisdiction	WASHINGTON MD
Minor Civil Division	7, SMITHSBURG
Census Blockgroup	4
Census Block	4037
Census Tract	11301

Owner

Source: Washington County records · APN 07-014511

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	2 Individual Names on File
Mailing Address	20 CHIPS CT, SMITHSBURG, MD 21783-9710
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 1993 · Amount on Record
Deed Sale	Oct 25, 1993 · Amount on Record
Prior Sale	Feb 26, 1985 · Amount on Record
Deed Book / Page	1118 / 1014
Record Refreshed	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	20 CHIPS CT, SMITHSBURG, MD 21783-9710
Document Number	0056310143
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	20 CHIPS CT SMITHSBURG MD 217839710, SMITHSBURG, MD 21783-9710

Mortgage

Document Number	0056310143
Date	Nov 09, 2017
Book Page	005631/000143

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 08, 2032

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		$287,867 (+8.82%)	$311,200 (-) Land $55,000 Building $256,200
2025	$1,864.00 (+11.22%) Homeowner's exemption	$264,533 (+22.64%)	$311,200 (+29.02%) Land $55,000 Building $256,200
2023	$1,676.00 Homeowner's exemption	$215,700	$241,200 Land $55,000 Building $186,200

Flood & Wildfire

20 Chips Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Washington County (24043C), updated August 14, 2017

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 32nd percentile of exposed land nationally · 68th in Maryland
Wildfire Likelihood	Low — about 1 in 4,762 per year
Exposure	Direct burnable vegetation at the parcel

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