Washington County property record for 22128 Whitestone Ct, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,117 sqft · built 2007 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $715,000 (Jul 2022) |
| Tax Bill | $7,587 (2026) |
| Deeds & Mortgages | Sep 2018 Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-037155 |
| Primary APN | 07-037155 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,117 sqft Total Area |
| Basement Area | 1,302 sqft |
| Finished Basement | 1,302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Built-in |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 170 sqft |
| Deck Area | 510 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 037155 |
|---|---|
| Street Address | 22128 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 3 1.03 ACRES 22128 WHITESTONE CT LIMESTONE ACRES |
| Legal Subdivision | LIMESTONE ACRES |
| Legal Lot Number | 3 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11301 |
Source: Washington County records, as of October 20, 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 | 22128 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2018 | Deed of Trust, Mortgage · ARM UNITED BANK |
| Jul 29, 2022 | Deed, Transfer · Conventional Mortgage CNB BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Aug 20, 2013 · Amount on Record |
| Deed Book / Page | 7071 / 124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22128 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0058390140 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 5839/0140 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 29, 2022 |
| Property Address | 22128 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 0070710124 |
| Book / Page | 7071 / 124 |
| Map Reference | FO 7605 |
| Instrument Date | Jul 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 22128 WHITESTONE CT, SMITHSBURG, MD 21783-1596 |
| Document Number | 0070710130 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 7071-0130 |
| Name | CNB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 6.74% |
| Index | Other |
| Max Rate | 9.99% |
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 | $7,587.00 (+5.13%) Homeowner's exemption | $749,833 (+6.61%) | $796,300 (-) Land $100,200 Building $696,100 |
| 2025 | $7,217.00 (+9.93%) Homeowner's exemption | $703,367 (+11.42%) | $796,300 (+21.22%) Land $100,200 Building $696,100 |
| 2023 | $6,565.00 | $631,300 | $656,900 Land $100,200 Building $556,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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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