25 W Water St, Smithsburg, MD 21783 Property Records

Washington County property record for 25 W Water St, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,576 sqft · built 1892
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jan 2024)
Tax Bill	$3,093 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-013159`

Property Details

APN / Parcel Number

Primary APN	`07-013159`
Alternative APN	`013159`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,576 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	170 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	336 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	013159
Street Address	25 W WATER ST
City	SMITHSBURG
State	MD
Zip	21783-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 60X170 .234 AC 25 W WATER STREET SMITHSBURG
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	4
Census Block	4029
Census Tract	11301

Owner

Source: Washington County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	25 W WATER ST, SMITHSBURG, MD 21783-1642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY MORTGAGE CORPORATION
Apr 3, 2024	Deed of Trust, Mortgage · FHA Mortgage PRESIDENTIAL BANK FSB
Jan 9, 2024	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB
Feb 15, 2023	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage WASHINGTON COUNTY TEACHERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Sep 27, 1984 · Amount on Record
Deed Book / Page	7385 / 464
Prior Transfer Date	Feb 10, 2023
Prior Transfer Doc	0071940446
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	Jun 24, 2026
Property Address	25 W WATER ST, SMITHSBURG, MD 21783-1642
Document Number	7955000307
Book / Page	7955 / 307
Instrument Date	Jun 16, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	25 W WATER ST, SMITHSBURG, MD 21783-1642

Mortgage

Document Number	7955000307,
Date	Jun 24, 2026
Book Page	7955/307

Lender

Name	COMMUNITY MORTGAGE CORPORATION

Agreement

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

Interest

Rate	6.51%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	25 W WATER ST, SMITHSBURG, MD 21783-1642
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6228 DAVINCI ST, FREDERICK, MD 21703-2949

Mortgage

Document Number	0074300035
Date	Apr 3, 2024
Book Page	7430/35

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2054

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 9, 2024
Property Address	25 W WATER ST, SMITHSBURG, MD 21783-1642
Document Number	0073850464
Book / Page	7385 / 464
Instrument Date	Jan 2, 2024
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	NOT AVAILABLE, FRIENDS TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
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 by the Entirety
Address	25 W WATER ST, SMITHSBURG, MD 21783-1642

Mortgage

Document Number	0073850469
Date	Jan 9, 2024
Instrument	7385-0469

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Feb 15, 2023
Property Address	25 W WATER ST, SMITHSBURG, MD 21783-1642
Document Number	0071940446
Book / Page	7194 / 446
Instrument Date	Feb 10, 2023
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	PASSPORT TITLE SERVICES LLC

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 in Severalty
Address	25 W WATER ST, SMITHSBURG, MD 21783-1642

Mortgage

Document Number	0071940451
Date	Feb 15, 2023
Instrument	7194-0451

Lender

Name	WASHINGTON COUNTY TEACHERS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2028

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,093.00 (+15.37%)	$339,533 (+15.38%)	$384,800 (-) Land $55,000 Building $329,800
2025	$2,681.00 (+18.21%)	$294,267 (+20.73%)	$384,800 (+54.54%) Land $55,000 Building $329,800
2024	$2,268.00 (+1.7%)
2023	$2,230.00	$243,733	$249,000 Land $55,000 Building $194,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018
Water Source	Purchased surface water from CITY OF HAGERSTOWN
Last State Inspection	Mar 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber	2,000 / 2,000

May also be available: Verizon.

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