22441 Cave Hill Rd, Smithsburg, MD 21783 Property Records

Washington County property record for 22441 Cave Hill Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,132 sqft · built 1975
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jan 2024)
Tax Bill	$3,472 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-006373`

Property Details

APN / Parcel Number

Primary APN	`07-006373`
Alternative APN	`006373`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,132 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	236 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Deck Area	250 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	006373
Street Address	22441 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 100X236 0.57 A 22441 CAVE HILL ROAD
Legal Subdivision	CRUM WILLIAM
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	2
Census Block	2007
Census Tract	11301

Owner

22441 Cave Hill Rd is owned and occupied by two individuals who bought it in January 2024.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22441 CAVE HILL RD, SMITHSBURG, MD 21783-1533
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2024	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit CNB BANK INC
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on File
Deed Sale	Jan 16, 2024 · Amount on File
Prior Sale	Jul 19, 1990 · Amount on File
Deed Book / Page	7389 / 324
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 16, 2024
Property Address	22441 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Document Number	0073890324
Book / Page	7389 / 324
Map Reference	LB 554 FO 620
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
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	22441 CAVE HILL RD, SMITHSBURG, MD 21783-1533

Mortgage

Document Number	0073890331
Date	Jan 16, 2024
Instrument	7389-0331

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Index	COF

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22441 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073600468
Date	Nov 27, 2023
Book Page	7360/468

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	22441 CAVE HILL RD, SMITHSBURG, MD 21783-1533
Document Number	0057650271
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22441 CAVE HILL RD SMITHSBURG MD 217831533, SMITHSBURG, MD 21783-1533

Mortgage

Document Number	0057650271
Date	Jun 5, 2018
Book Page	005765/000271

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 22441 Cave Hill Rd was $3,472 with a homeowner's exemption, up 2.6% from the year before.

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	$3,472.00 (+2.6%) Homeowner's exemption	$335,333 (+2.59%)	$343,800 (-) Land $67,400 Building $276,400
2025	$3,384.00 Homeowner's exemption	$326,867	$343,800 Land $67,400 Building $276,400
2023	$2,434.00 Homeowner's exemption	$282,300	$318,400 Land $67,400 Building $251,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22441 Cave Hill Rd 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

Wildfire risk around 22441 Cave Hill Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber · Cable in parts of the area	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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