Frederick County property record for 3530 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,265 sqft · built 1910 |
| Lot Size | 75 acres (3,267,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Jan 2021) |
| Tax Bill | $3,130 (2024) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-268958 |
| Primary APN | 10-268958 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,265 sqft Living Area |
| Gross Area | 2,481 sqft |
| 1st Floor Area | 1,145 sqft |
| Basement Area | 1,200 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Slate |
| Lot Area | 3,267,000 sqft (75 acres) |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 580 sqft |
| Shed | 1 Shed |
| Shed Area | 900 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 268958 |
|---|---|
| Street Address | 3530 GARFIELD RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 75 AC GAR.-SMITHS. RD. |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 752801 |
Source: Frederick County records, as of August 4, 2025
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 | 3530 GARFIELD RD, SMITHSBURG, MD 21783-9391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on Record |
| Deed Sale | Jan 28, 2021 · Amount on Record |
| Prior Sale | Aug 6, 2008 |
| Deed Book / Page | 14495 / 455 |
| Prior Transfer Date | Mar 27, 2012 |
| Prior Transfer Doc | 0088140407 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 28, 2021 |
| Property Address | 3530 GARFIELD RD, SMITHSBURG, MD 21783-9391 |
| Document Number | 0144950455 |
| Book / Page | 14495 / 455 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3530 GARFIELD RD, SMITHSBURG, MD 21783-9391 |
| Document Number | 14495463 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 14495/463 |
| Name | MIDATLANTIC FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $441,300 (+20.74%) | $479,200 (+31.11%) Land $100,000 Building $379,200 | |
| 2024 | $3,130.00 (-27.85%) | ||
| 2023 | $4,338.00 | $365,500 Land $89,500 Building $276,000 | $365,500 Land $89,500 Building $276,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
4G LTE (outdoors only), no 5G reported
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