3459 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3459 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,560 sqft · built 2020
Lot Size	4.26 acres (185,566 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Apr 2019 Construction Loan Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-588272`

Property Details

APN / Parcel Number

Primary APN	`10-588272`
Alternative APN	`588272`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	185,566 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	448 sqft
Deck Area	160 sqft
Patio Area	638 sqft
Shed	1 Shed
Shed Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	588272
Street Address	3459 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9390
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 1 SECTION 1 4.26 ACRES PROPERTY OF CHARLES W HE
Legal Subdivision	PROPERTY OF CHARLES W HE
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1005
Census Tract	752801

Owner

Source: Frederick County records, as of August 7, 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	3459 GARFIELD RD, SMITHSBURG, MD 21783-9390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST
Jan 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2011
Deed Sale	Jun 10, 2011
Deed Document Number	20118236/0122
Deed Book / Page	8236 / 122
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3459 GARFIELD RD, SMITHSBURG, MD 21783-9390
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0129350327
Date	Apr 25, 2019
Book Page	12935/0327

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	SMITHSBURG, MD 21783

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3459 GARFIELD RD, SMITHSBURG, MD 21783-9390
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138400445
Date	Jun 24, 2020
Book Page	13840/445

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	SMITHSBURG, MD 21783

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3459 GARFIELD RD, SMITHSBURG, MD 21783-9390
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134620065
Date	Jan 14, 2020
Book Page	13462/0065

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	SMITHSBURG, MD 21783

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$238,100 (+25.91%) Land $96,500 Building $141,600	$238,100 (+25.91%) Land $96,500 Building $141,600
2025	$2,650.00 (+15.02%)
2023	$2,304.00 Homeowner's exemption	$189,100 Land $86,000 Building $103,100	$189,100 Land $86,000 Building $103,100

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 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

No cell data coverage reported

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