Washington County property record for 31 E Water St, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1830 |
| Square Footage | 2,496 sqft Total Area |
| Lot Size | 14,375 sqft (0.33 acres) |
| Garage | Detached, 336 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $400,000 (2024) |
| Tax Bill | $2,467.00 (2025) |
Source: Washington County records · APN 07-010214
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Dec 18, 2019 | Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 20, 2024 · Amount on Record |
| Deed Sale | Nov 20, 2024 · Amount on Record |
| Prior Sale | Jul 06, 2012 · Amount on Record |
| Deed Doc Number | 2024 |
| Deed Book / Page | 7578 / 229 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 31 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067130001 |
|---|---|
| Date | Aug 02, 2021 |
| Book Page | 6713/1 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 31 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0061370442 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 6137/0442 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | HAGERSTOWN, MD 21740 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 31 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0061130001 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 6113/0001 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
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 | $304,567 (+12.46%) | $338,300 (-) Land $53,800 Building $284,500 | |
| 2025 | $2,467.00 (+35.92%) Homeowner's exemption | $270,833 (+21.54%) | $338,300 (+42.68%) Land $53,800 Building $284,500 |
| 2023 | $1,815.00 Homeowner's exemption | $222,833 | $237,100 Land $53,800 Building $183,300 |
Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 07-010214 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,496 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Exterior Material | Brick Exterior |
| Roof Material | Slate Roof |
| Lot Area | 14,375 sqft (0.33 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 336 sqft Garage |
| Pool Type | In-Ground Vinyl Pool Pool Type |
|---|---|
| Pool Area | 512 sqft Pool |
| Patio Area | 330 sqft Patio |
| Porch Area | 247 sqft Porch |
| Heating System | Radiant Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 010214 |
|---|---|
| Street Address | 31 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1605 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT IRREG .33A 31 E WATER ST SMITHSBURG |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 7, SMITHSBURG |
| Census Blockgroup | 4 |
| Census Block | 4008 |
| Census Tract | 11301 |
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