3708 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3708 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,476 sqft · built 1999
Lot Size	4.48 acres (195,149 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Apr 2020)
Tax Bill	$4,430 (2024)
Deeds & Mortgages	Jan 2017 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-276810`

Property Details

APN / Parcel Number

Primary APN	`10-276810`
Alternative APN	`276810`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,476 sqft Living Area
1st Floor Area	1,876 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	195,149 sqft (4.48 acres)
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	528 sqft
Shed	1 Shed
Shed Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	276810
Street Address	3708 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9395
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 301 SEC III 4.482 ACRES WAY-STAR FARM
Legal Subdivision	WAY-STAN FARM SEC 03
Legal Lot Number	301
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1003
Census Tract	752801

Owner

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	3708 GARFIELD RD, SMITHSBURG, MD 21783-9395
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK & TRUST CO
Apr 6, 2020	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Feb 12, 2014 · Amount on Record
Deed Book / Page	13636 / 43
Prior Transfer Date	Oct 1, 2012
Prior Transfer Doc	0091270466
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3708 GARFIELD RD, SMITHSBURG, MD 21783-9395
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116120325
Date	Jan 12, 2017
Book Page	11612/0325
Instrument	11612-0325

Lender

Name	MANUFACTURERS BANK & TRUST CO
Type	Bank
Address	SMITHSBURG, MD 21783

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2020
Property Address	3708 GARFIELD RD, SMITHSBURG, MD 21783-9395
Document Number	0136360043
Book / Page	013636 / 000043
Instrument Date	Mar 30, 2020
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	939 HAMILTON BLVD HAGERSTOWN MD 21742, HAGERSTOWN, MD 21742

Mortgage

Document Number	136360050
Date	Apr 6, 2020
Book Page	013636/000050

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

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		$400,667 (+19.46%)	$433,300 (+29.19%) Land $98,100 Building $335,200
2024	$4,430.00 (+8.63%)
2023	$4,078.00	$335,400 Land $87,600 Building $247,800	$335,400 Land $87,600 Building $247,800

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	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

5G and 4G LTE (outdoors only)

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