22425 Cave Hill Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 22425 Cave Hill Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,540 sqft · built 1990
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on File
Last Sale	$286,000 (Feb 2022)
Tax Bill	$2,912 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-021356`

Property Details

APN / Parcel Number

Primary APN	`07-021356`
Alternative APN	`021356`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,540 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	59,677 sqft (1.37 acres)
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021356
Street Address	22425 CAVE HILL RD
City	SMITHSBURG
State	MD
Zip	21783-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 1 1.37 ACRES 22425 CAVE HILL ROAD
Legal Lot Number	1
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	22425 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PARTNERS 1ST FCU
Feb 18, 2022	Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2022 · Amount on File
Deed Sale	Feb 18, 2022 · Amount on File
Prior Sale	Sep 11, 1989 · Amount on File
Deed Book / Page	6932 / 98
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22425 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22425 CAVE HILL RD, SMITHSBURG, MD 21783-1533

Mortgage

Document Number	0069740348
Date	Apr 5, 2022
Book Page	6974/348

Lender

Name	PARTNERS 1ST FCU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	180 Months
Due	Apr 5, 2037

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Feb 18, 2022
Property Address	22425 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Document Number	0069320098
Book / Page	6932 / 98
Instrument Date	Feb 18, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OLDE STONE TITLE, OLDE TOWNE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22425 CAVE HILL RD, SMITHSBURG, MD 21783-1533

Mortgage

Document Number	0006932103
Date	Feb 18, 2022
Instrument	6932/103

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 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	$2,912.00 (+5.09%) Homeowner's exemption	$315,533 (+5.75%)	$332,700 (-) Land $77,700 Building $255,000
2025	$2,771.00 (+13.43%) Homeowner's exemption	$298,367 (+18.45%)	$332,700 (+18.31%) Land $77,700 Building $255,000
2023	$2,443.00 Homeowner's exemption	$251,900	$281,200 Land $77,700 Building $203,500

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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018
Water Source	Purchased surface water from CITY OF HAGERSTOWN
Last State Inspection	Mar 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 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
Starlink Satellite	280 / 30

May also be available: AT&T, Xfinity.

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