3208 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3208 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 1976
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$389,900 (Nov 2021)
Tax Bill	$2,590 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-269016`

Property Details

APN / Parcel Number

Primary APN	`10-269016`
Alternative APN	`269016`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	24 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	269016
Street Address	3208 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	2 AC N/S GAR.-SMITHS. RD. AT WASH CO LINE
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1004
Census Tract	752801

Owner

Source: Frederick County records, as of April 28, 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 Record
Mailing Address	3208 GARFIELD RD, SMITHSBURG, MD 21783-9385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed, Transfer · Conventional Mortgage REDFIN MORTGAGE LLC
May 27, 2021	Deed, Transfer OLDE STONE TITLE, OLDE TOWNE TITLE INC
Jun 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Book / Page	15459 / 207
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	0138620062
Record Updated	Jun 8, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 2, 2021
Property Address	3208 GARFIELD RD, SMITHSBURG, MD 21783-9385
Document Number	0154590207
Book / Page	15459 / 207
Instrument Date	Oct 27, 2021
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$974.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3208 GARFIELD RD, SMITHSBURG, MD 21783-9385

Mortgage

Document Number	15459214
Date	Nov 2, 2021
Instrument	15459/214

Lender

Name	REDFIN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 27, 2021
Property Address	3208 GARFIELD RD, SMITHSBURG, MD 21783-9385
Document Number	0149310064
Book / Page	14931 / 64
Instrument Date	May 19, 2021
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	OLDE STONE TITLE, OLDE TOWNE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8420 CHESTNUT GROVE RD, FREDERICK, MD 21701-3414

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 30, 2020
Property Address	3208 GARFIELD RD, SMITHSBURG, MD 21783-9385
Document Number	0138620062
Book / Page	013862 / 000062
Instrument Date	Jun 25, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	3208 GARFIELD RD SMITHSBURG MD 217839385, SMITHSBURG, MD 21783-9385

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,590.00 (-10.75%) Homeowner's exemption	$275,300 (+53.2%)	$323,100 (+79.8%) Land $87,000 Building $236,100
2024	$2,902.00 (+28.75%)
2023	$2,254.00	$179,700 Land $76,500 Building $103,200	$179,700 Land $76,500 Building $103,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · 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	3 in force
Nearby Flood Claims	4 (1996–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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