Washington County property record for 32 E Water St, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1915 |
| Square Footage | 1,204 sqft Total Area |
| Lot Size | 9,148 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $84,900 (2017) |
| Tax Bill | $1,486.00 (2025) |
| Primary APN | 07-008309 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,204 sqft Total Area |
| Stories | 1 Stories |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,148 sqft (0.21 acres) |
| Depth X Width | 264 ft x 35 ft Depth x Width |
| Porch Area | 338 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 008309 |
|---|---|
| Street Address | 32 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1604 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PTLT 64 35X264 . 32 E WATER ST |
| Jurisdiction | WASHINGTON MD |
| Minor Civil Division | 7, SMITHSBURG |
| Census Blockgroup | 4 |
| Census Block | 4048 |
| Census Tract | 11301 |
Source: Washington County records · APN 07-008309
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 | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WOODSBORO BANK |
| Aug 12, 2020 | Deed of Trust, Mortgage · Line of Credit WOODSBORO BANK |
| Sep 05, 2017 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage EMBRACE HM LOANS |
| Jun 09, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 05, 2017 · Amount on Record |
| Deed Sale | Sep 05, 2017 · Amount on Record |
| Prior Sale | Jun 09, 2017 · Amount on Record |
| Deed Doc Number | 20175581-0190 |
| Deed Book / Page | 5581 / 190 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 23, 2026 |
| Property Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 7975000064 |
| Book / Page | 7975 / 64 |
| Instrument Date | Jul 07, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 7975000064, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 7975/64 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 12, 2051 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0073580399 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 7358/399 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0063290244 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 6329/244 |
| Name | WOODSBORO BANK |
|---|---|
| Type | Bank |
| Address | WOODSBORO, MD 21798 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Sep 05, 2017 |
| Property Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0055810190 |
| Book / Page | 005581 / 000190 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2017 |
| Title Company | FREDERICK TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 N CARROLL ST THURMONT MD 217882022, THURMONT, MD 21788-2022 |
| Document Number | 55810197 |
|---|---|
| Date | Sep 05, 2017 |
| Book Page | 005581/000197 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDIETOWN, RI 02842 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 09, 2017 |
| Property Address | 32 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0055200388 |
| Book / Page | 005520 / 000388 |
| Instrument Date | Mar 03, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 3900 CAPITOL CITY BLVD LANSING MI 489062147, LANSING, MI 48906-2147 |
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 | $181,833 (+11.44%) | $200,500 (-) Land $54,200 Building $146,300 | |
| 2025 | $1,486.00 (+20.32%) | $163,167 (+20.8%) | $200,500 (+38.75%) Land $54,200 Building $146,300 |
| 2023 | $1,235.00 | $135,067 | $144,500 Land $54,200 Building $90,300 |
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 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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