Washington County property record for 22413 Cold Spring Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,051 sqft · built 1924 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $103,000 (Jan 2021) |
| Tax Bill | $1,684 (2026) |
| Deeds & Mortgages | Jul 2019 Mortgage Oct 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-017219 |
| Primary APN | 07-017219 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,051 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Other |
| Roof Material | Metal |
| Lot Area | 36,155 sqft (0.83 acres) |
| Porch | Slab |
| Porch Area | 244 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 017219 |
|---|---|
| Street Address | 22413 COLD SPRING RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | 0.83AC 22413 COLD SPRING ROAD |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 11302 |
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 | 13011 WOODBURN DR, HAGERSTOWN, MD 21742-2861 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST |
| Oct 18, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST |
| Jan 20, 2021 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Jun 29, 2018 | Grant Deed, Transfer OLDE TOWNE TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2021 · Amount on Record |
| Deed Sale | Jan 20, 2021 · Amount on Record |
| Prior Sale | Jun 29, 2018 · Amount on Record |
| Deed Book / Page | 6490 / 143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22413 COLD SPRING RD, SMITHSBURG, MD 21783-1859 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0060140431 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 6014/0431 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FREDERICK, MD 21702 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22413 COLD SPRING RD, SMITHSBURG, MD 21783-1859 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0058550233 |
|---|---|
| Date | Oct 18, 2018 |
| Book Page | 5855/0233 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jan 20, 2021 |
| Property Address | 22413 COLD SPRING RD, SMITHSBURG, MD 21783-1859 |
| Document Number | 0064900143 |
| Book / Page | 6490 / 143 |
| Instrument Date | Jan 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | OLDE TOWNE TITLE INC |
| 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 | 22413 COLD SPRING RD, SMITHSBURG, MD 21783-1859 |
| Document Number | 0006490148 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 6490/148 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 29, 2018 |
| Property Address | 22413 COLD SPRING RD, SMITHSBURG, MD 21783-1859 |
| Document Number | 0057830468 |
| Book / Page | 005783 / 000468 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2018 |
| Title Company | OLDE TOWNE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 22413 COLD SPRING RD SMITHSBURG MD 217831859, SMITHSBURG, MD 21783-1859 |
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 | $1,684.00 (+7.12%) | $156,867 (+7.42%) | $167,700 (-) Land $72,800 Building $94,900 |
| 2025 | $1,572.00 (+17.84%) | $146,033 (+13.82%) | $167,700 (+24.04%) Land $72,800 Building $94,900 |
| 2023 | $1,334.00 | $128,300 | $135,200 Land $72,800 Building $62,400 |
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 | 1 in force |
| Nearby Flood Claims | 2 (2016–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2018 · 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 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Cable | 1,300 / 50 |
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