23433 Fruit Tree Dr, Smithsburg, MD 21783 Property Records

Washington County property record for 23433 Fruit Tree Dr, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,578 sqft · built 1994
Lot Size	2.2 acres (95,832 sqft)
Owner	Individual Name on Record
Tax Bill	$2,849 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-031211`

Property Details

APN / Parcel Number

Primary APN	`07-031211`
Alternative APN	`031211`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	95,832 sqft (2.2 acres)

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	352 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	640 sqft
Stable	984 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031211
Street Address	23433 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	LOT A-1 2.20 ACRES 23433 FRUIT TREE DRIVE
Legal Subdivision	JOSHUA D GARVEY SUB
Legal Lot Number	A1
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	1
Census Block	1010
Census Tract	11301

Owner

Source: Washington County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	23433 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2023	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2023
Deed Sale	Jul 6, 2023
Prior Sale	Aug 22, 2008 · Amount on Record
Deed Book / Page	7277 / 53
Prior Transfer Date	May 30, 2023
Prior Transfer Doc	0072770053
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	Jun 16, 2026
Property Address	23433 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Document Number	7949000097
Book / Page	7949 / 97
Instrument Date	May 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23433 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Investor	Possibly a Property Investor

Mortgage

Document Number	7949000097,
Date	Jun 16, 2026
Book Page	7949/97

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jul 6, 2023
Property Address	23433 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Document Number	0072770053
Book / Page	7277 / 53
Map Reference	FO 8458
Instrument Date	May 30, 2023
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$154.04
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 VALLEY VIEW RD, MIDDLETOWN, MD 21769-8604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23433 FRUIT TREE DR, SMITHSBURG, MD 21783-1443

Mortgage

Document Number	0072770059
Date	Jul 6, 2023
Instrument	7277-0059

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$336,267 (+13.71%)	$376,800 (-) Land $84,000 Building $292,800
2025	$2,849.00 (+5.44%) Homeowner's exemption	$295,733 (+19.5%)	$376,800 (+47.65%) Land $84,000 Building $292,800
2024	$2,702.00 (+5.01%)
2023	$2,573.00 (+0.78%) Homeowner's exemption	$247,467 (+3.23%)	$255,200 (-) Land $84,000 Building $171,200
2022	$2,553.00 Homeowner's exemption	$239,733	$255,200 Land $84,000 Building $171,200

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
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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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