Washington County property record for 23415 Fruit Tree Dr, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,495 sqft · built 1988 |
| Lot Size | 5.75 acres (250,470 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,500 (Feb 1993) |
| Tax Bill | $205 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-021305 |
| Primary APN | 07-021305 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,495 sqft Total Area |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 250,470 sqft (5.75 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 507 sqft |
| Deck Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 704 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 021305 |
|---|---|
| Street Address | 23415 FRUIT TREE DR |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | 5.7521 ACRES 23415 FRUIT TREE DRIVE OLD RAVEN ROCK ROAD |
| Legal Subdivision | OLD RAVEN ROCK |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 11301 |
23415 Fruit Tree Dr is owned and occupied by two individuals who bought it in February 1993.
Source: Washington County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23415 FRUIT TREE DR, SMITHSBURG, MD 21783-1443 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 1993 · Amount on File |
| Deed Sale | Feb 5, 1993 · Amount on File |
| Prior Sale | Apr 8, 1988 · Amount on File |
| Deed Book / Page | 1079 / 350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 23415 FRUIT TREE DR, SMITHSBURG, MD 21783-1443 |
| Document Number | 0057530001 |
| Instrument Date | Apr 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 23415 FRUIT TREE DR SMITHSBURG MD 217831443, SMITHSBURG, MD 21783-1443 |
| Document Number | 0057530001 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 005753/000001 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 17, 2023 |
The 2026 property tax bill for 23415 Fruit Tree Dr was $205, up 6.2% from the year before.
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 | $205.00 (+6.22%) | $424,533 (+4.83%) | $444,100 (-) Land $108,700 Building $335,400 |
| 2025 | $193.00 | $404,967 | $444,100 Land $108,700 Building $335,400 |
| 2023 | Disabled Person's exemption Veteran's exemption | $346,533 | $385,400 Land $108,700 Building $276,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23415 Fruit Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
Wildfire risk around 23415 Fruit Tree Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Cable | 1,300 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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