Washington County property record for 22932 Cavetown Church Rd, Smithsburg, MD 21783
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,224 sqft · built 2007 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,297 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage Mar 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-013078 |
| Primary APN | 07-013078 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Total Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 52 sqft |
| Deck Area | 180 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 013078 |
|---|---|
| Street Address | 22932 CAVETOWN CHURCH RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1638 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RR |
| Legal Description | PT LOT .3 ACRE 22932 CAVETOWN CHURCH RD |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 11301 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 22725 STEVENSON RD, SMITHSBURG, MD 21783-1351 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 17, 2019 | Deed of Trust, Mortgage · Commercial Mortgage MIDDLETOWN VALLEY BANK |
| Mar 12, 2019 | Loan Modification, Mortgage · Conventional with PMI MIDDLETOWN VLY BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22932 CAVETOWN CHURCH RD, SMITHSBURG, MD 21783-1638 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0059070383 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 5907/0383 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 22932 CAVETOWN CHURCH RD, SMITHSBURG, MD 21783-1638 |
| Document Number | 0059360269 |
| Instrument Date | Mar 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 22725 STEVENSON RD SMITHSBURG MD 217831351, SMITHSBURG, MD 21783-1351 |
| Document Number | 0059360269 |
|---|---|
| Date | Mar 15, 2019 |
| Book Page | 005936/000269 |
| Name | MIDDLETOWN VLY BK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
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 | $3,297.00 (+10.42%) | $318,400 (+10.4%) | $348,400 (-) Land $61,500 Building $286,900 |
| 2025 | $2,986.00 (+20.65%) | $288,400 (+21.14%) | $348,400 (+34.83%) Land $61,500 Building $286,900 |
| 2023 | $2,475.00 | $238,067 | $258,400 Land $61,500 Building $196,900 |
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 | 3 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1996 · 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Antietam Cable Cable · Fiber in parts of the area | 1,300 / 50 |
May also be available: Verizon.
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