22221 Cave Hill Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 22221 Cave Hill Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,854 sqft · built 1988
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2004)
Tax Bill	$3,761 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-020546`

Property Details

APN / Parcel Number

Primary APN	`07-020546`
Alternative APN	`020546`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,854 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	800 sqft
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	020546
Street Address	22221 CAVE HILL RD
City	SMITHSBURG
State	MD
Zip	21783-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 2 1.03 ACRES 22221 CAVE HILL RD
Legal Subdivision	HOLIDAY ESTATES
Legal Lot Number	2
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	2
Census Block	2007
Census Tract	11301

Owner

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	Individual Name on Record
Mailing Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Sep 30, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2004 · Amount on Record
Deed Sale	Dec 30, 2004 · Amount on Record
Prior Sale	Oct 26, 1987 · Amount on Record
Deed Document Number	2004202899
Deed Book / Page	2535 / 251
Last Transfer Date	Jul 16, 2015
Transfer Doc	0050250195
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	Sep 28, 2026
Property Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530
Document Number	8024000034
Book / Page	8024 / 34
Instrument Date	Sep 16, 2026
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530

Mortgage

Document Number	8024000034,
Date	Sep 28, 2026
Book Page	8024/34

Lender

Name	MERIDIAN BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	VETERAN EXPRESS TITLE, VETERAN EXPRESS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530

Mortgage

Document Number	0077700237
Date	Sep 30, 2025
Book Page	7770/237

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	PREMIUM TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064070202
Date	Oct 28, 2020
Book Page	6407/202

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22221 CAVE HILL RD, SMITHSBURG, MD 21783-1530
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069090016
Date	Jan 26, 2022
Book Page	6909/16

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

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	$3,761.00 (+5.38%) Homeowner's exemption	$411,000 (+8.99%)	$444,900 (-) Land $75,200 Building $369,700
2025	$3,569.00 (+5.5%) Homeowner's exemption	$377,100 (+17.67%)	$444,900 (+29.63%) Land $75,200 Building $369,700
2024	$3,383.00 (+6.65%)
2023	$3,172.00 Homeowner's exemption	$320,467	$343,200 Land $75,200 Building $268,000

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
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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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