23409 Ringgold Pike, Smithsburg, MD 21783 Property Records

Washington County property record for 23409 Ringgold Pike, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,152 sqft · built 1997
Lot Size	5.39 acres (234,788 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Jun 2018)
Tax Bill	$3,674 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-011188`

Property Details

APN / Parcel Number

Primary APN	`14-011188`
Alternative APN	`011188`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,152 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Split Level
Exterior Material	Siding
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	234,788 sqft (5.39 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	364 sqft
Shed	1 Shed
Shed Area	5,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011188
Street Address	23409 RINGGOLD PIKE
City	SMITHSBURG
State	MD
Zip	21783-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	5.39 ACRES 23409 RINGGOLD PIKE
Legal Subdivision	HOLIDAY ACRES
Jurisdiction	WASHINGTON MD
Township / Civil Division	14, RINGGOLD
Census Block Group	1
Census Block	1022
Census Tract	10200

Owner

23409 Ringgold Pike is owned and occupied by two individuals who acquired it in September 2025.

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	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage HAR CO CU
Nov 4, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage HAR CO CU
Jun 15, 2020	Deed of Trust, Mortgage · Conventional with PMI HAR-CO CU
Jun 29, 2018	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	May 31, 1996
Deed Book / Page	5784 / 153
Last Transfer Date	Sep 25, 2025
Transfer Doc	0077950026
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070990285
Date	Sep 7, 2022
Book Page	7099/285

Lender

Name	HAR CO CU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 6, 2037

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Nov 4, 2025
Property Address	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116
Document Number	0077950026
Book / Page	7795 / 26
Instrument Date	Sep 25, 2025
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116

Mortgage

Document Number	0000779531
Date	Nov 4, 2025
Instrument	7795/31

Lender

Name	HAR CO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Sep 30, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116
Document Number	0062830042
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23409 RINGGOLD PIKE SMITHSBURG MD 217831116, SMITHSBURG, MD 21783-1116

Mortgage

Document Number	0062830042
Date	Jun 22, 2020
Book Page	006283/000042

Lender

Name	HAR-CO CU
Address	BEL AIR, MD 21014

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 29, 2018
Property Address	23409 RINGGOLD PIKE, SMITHSBURG, MD 21783-1116
Document Number	0057840153
Book / Page	5784 / 0153
Instrument Date	Jun 1, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MID ATLANTIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23409 RINGGOD PIKE, SMITHSBURG, MD 21783-1116

Mortgage

Document Number	0005784159
Date	Jun 29, 2018
Instrument	5784/159

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 23409 Ringgold Pike was $3,674 with a homeowner's exemption, up 2.3% 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	$3,674.00 (+2.34%) Homeowner's exemption	$377,300 (+6.13%)	$399,100 (-) Land $96,900 Building $302,200
2025	$3,590.00 (+2.13%) Homeowner's exemption	$355,500	$399,100 Land $96,900 Building $302,200
2024	$3,515.00 (+4.15%)
2023	$3,375.00 Homeowner's exemption	$324,567	$333,700 Land $96,900 Building $236,800

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

Flood

FEMA maps place 23409 Ringgold Pike in Zone X, an area of minimal flood risk.

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	2 in force

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 23409 Ringgold Pike is low, with less than 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
PA.net Fixed Wireless · not low latency	200 / 50
T-Mobile Fixed Wireless	25 / 3

May also be available: Antietam Cable, AT&T.

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