Washington County property record for 28 S Main St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,533 sqft · built 1890 |
| Lot Size | 0.195 acres (8,477 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $109,000 (Apr 2005) |
| Tax Bill | $1,160 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-001665 |
| Primary APN | 07-001665 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,533 sqft Total Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,477 sqft (0.195 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Slab |
| Porch Area | 105 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 001665 |
|---|---|
| Street Address | 28 S MAIN ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | LOT .194 ACRES 28 S MAIN ST |
| Legal Subdivision | ANTIETAM APPROACH ESTATES |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 11301 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 21611 O TOOLE DR, HAGERSTOWN, MD 21742-9753 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2005 · Amount on Record |
| Deed Sale | Apr 18, 2005 · Amount on Record |
| Prior Sale | Nov 1, 1995 · Amount on Record |
| Deed Document Number | 2005204690 |
| Deed Book / Page | 2628 / 729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 28 S MAIN ST, SMITHSBURG, MD 21783 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | STARTFORD TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0065250218 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 6525/218 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,160.00 (+10.37%) | $127,367 (+10.43%) | $139,400 (-) Land $53,400 Building $86,000 |
| 2025 | $1,051.00 (+15.49%) | $115,333 (+15.87%) | $139,400 (+34.95%) Land $53,400 Building $86,000 |
| 2023 | $910.00 | $99,533 | $103,300 Land $53,400 Building $49,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 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 · Cable in parts of the area | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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