Washington County property record for 22120 Whitestone Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,595 sqft · built 2023 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Dec 2021) |
| Tax Bill | $7,007 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Aug 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-037171 |
| Primary APN | 07-037171 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,595 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Mixed |
| Garage Area | 776 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 037171 |
|---|---|
| Street Address | 22120 WHITESTONE CT |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1596 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | LOT 5 1.03 AC 22120 WHITESTONE CT LIMESTONE ACRES |
| Legal Subdivision | LIMESTONE ACRES |
| Legal Lot Number | 5 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11301 |
22120 Whitestone Ct is owned and occupied by two individuals who bought it in December 2021.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST |
| Dec 22, 2021 | Deed, Subdivision Related Transfer OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2021 · Amount on File |
| Deed Sale | Dec 22, 2021 · Amount on File |
| Deed Book / Page | 6876 / 69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Sep 24, 2026 |
| Property Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 8022000275 |
| Book / Page | 8022 / 275 |
| Instrument Date | Sep 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 8022000275, |
|---|---|
| Date | Sep 24, 2026 |
| Book Page | 8022/275 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 14, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 0073000320 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 7300/320 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 367 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Dec 22, 2021 |
| Property Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 0068760069 |
| Book / Page | 6876 / 69 |
| Map Reference | FO 7605-7607 |
| Instrument Date | Dec 22, 2021 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 6, 2022 |
| Title Company | OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 22120 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
The 2026 property tax bill for 22120 Whitestone Ct was $7,007, up 9.2% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,007.00 (+9.23%) | $670,933 (+9.31%) | $728,100 (-) Land $100,200 Building $627,900 |
| 2025 | $6,415.00 | $613,767 | $728,100 Land $100,200 Building $627,900 |
| 2023 | $834.00 | $80,200 Land $80,200 | $80,200 Land $80,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22120 Whitestone Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1988.
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 | 4 in force |
| Nearby Flood Claims | 2 (1988–2006) |
| Most Recent Claim | Jun 2006 · 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 risk around 22120 Whitestone Ct is low, with less than 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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Cable | 1,300 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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