Somerset County property record for 3460 Smith Island Rd, Ewell, MD 21824
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 840 sqft · built 1969 |
| Lot Size | 0.303 acres (13,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $38,900 (Nov 1990) |
| Tax Bill | $886 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 10-001439 |
| Primary APN | 10-001439 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 840 sqft Total Area |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,185 sqft (0.303 acres) |
| Deck Area | 180 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 001439 |
|---|---|
| Street Address | 3460 SMITH ISLAND RD |
| City | EWELL |
| State | MD |
| Zip | 21824-9602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MRC |
| Legal Description | 0.303 AC-PL 393/468 SMITH ISLAND ROAD RHODES POINT |
| Jurisdiction | SOMERSET MD |
| Township / Civil Division | 10, SMITH ISLAND |
| Census Block Group | 1 |
| Census Block | 1158 |
| Census Tract | 930200 |
3460 Smith Island Rd is owned and occupied by two individuals who bought it in November 1990.
Source: Somerset County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3460 SMITH ISLAND RD, EWELL, MD 21824-9602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 1990 · Amount on File |
| Deed Sale | Nov 21, 1990 · Amount on File |
| Prior Sale | Aug 5, 1985 · Amount on File |
| Deed Book / Page | 393 / 466 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3460 Smith Island Rd was $886 with a homeowner's exemption, up 638.3% from the year before.
Source: Somerset County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Somerset County |
| Unified School District | Somerset County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $886.00 (+638.33%) Homeowner's exemption | $74,333 | $75,000 Land $27,600 Building $47,400 |
| 2025 | $120.00 Homeowner's exemption | ||
| 2023 | $670.00 | $60,267 | $74,000 Land $27,600 Building $46,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3460 Smith Island Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 95 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 105 units insured incl. 10 condo units |
| Nearby Flood Claims | 113 (1984–2026) |
| Claims Outside the SFHA | 6 of 113 |
| Most Recent Claim | Mar 2026 · river or lake flooding |
| Claims by Event |
|
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 risk around 3460 Smith Island Rd is moderate, ranking above 64% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 94% of Maryland |
|---|---|
| Wildfire Likelihood | 0.1% 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 | RHODES POINT SOUTH WATERWORKS private · serves 100 people · EPA ID MD0190009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2013–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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