23453 Fruit Tree Dr, Smithsburg, MD 21783 Property Records

Washington County property record for 23453 Fruit Tree Dr, Smithsburg, MD 21783 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,104 sqft · built 1900
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Mar 2026)
Tax Bill	$2,167 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-009003`

Property Details

APN / Parcel Number

Primary APN	`07-009003`
Alternative APN	`009003`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,104 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Metal
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	377 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	009003
Street Address	23453 FRUIT TREE DR
City	SMITHSBURG
State	MD
Zip	21783-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.28 ACRES 23453 FRUIT TREE DRIVE RAVEN ROCK ROAD
Legal Subdivision	RAVEN ROCK ROAD
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	1
Census Block	1010
Census Tract	11301

Owner

Source: Washington County records · APN 07-009003

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed, Transfer · Conventional Mortgage NFM LENDING
Sep 19, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
May 10, 2018	Grant Deed, Transfer BELLA DEGUZMAN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Prior Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	2026
Deed Book / Page	7883 / 323
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Mar 23, 2026
Property Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Document Number	0078830323
Book / Page	7883 / 323
Map Reference	LB 154 FO 249
Instrument Date	Mar 20, 2026
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
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 in Severalty
Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443

Mortgage

Document Number	0007883331
Date	Mar 23, 2026
Instrument	7883/331

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

September 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 19, 2019
Property Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Document Number	0060690320
Book / Page	6069 / 0320
Instrument Date	Sep 12, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	May 03, 2022
Title Company	LAWYERS SIGNATURE SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 in Severalty
Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443

Mortgage

Document Number	0006069327
Date	Sep 19, 2019
Instrument	6069/327

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	May 10, 2018
Property Address	23453 FRUIT TREE DR, SMITHSBURG, MD 21783-1443
Document Number	0057470072
Book / Page	005747 / 000072
Instrument Date	Apr 19, 2018
Transaction Type	Transfer
Record Updated	Apr 02, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1008 RIVERMIST CT BRINKLOW MD 208629708, BRINKLOW, MD 20862-9708

Mortgage

Document Number	57470077
Date	May 10, 2018
Book Page	005747/000077

Lender

Name	BELLA DEGUZMAN
Address	18900 CELEBRITY LN, SANDY SPRING, MD 20860-1502

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$215,833 (+6.08%)	$228,200 (-) Land $77,100 Building $151,100
2025	$2,167.00 (+6.33%)	$203,467 (+20.94%)	$228,200 (+19.41%) Land $77,100 Building $151,100
2024	$2,038.00 (+16.52%)
2023	$1,749.00	$168,233	$191,100 Land $77,100 Building $114,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240430113011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire

Wildfire Risk	Low above 32% of the US · above 68% of Maryland
Wildfire Likelihood	About 1 in 3,226 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Schurz Communications	Cable	1,300 / 50
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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