Frederick County property record for 3710 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,412 sqft · built 1990 |
| Lot Size | 5.13 acres (223,463 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $323,000 (May 2013) |
| Tax Bill | $6,286 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-276829 |
| Primary APN | 10-276829 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,412 sqft Living Area |
| Gross Area | 2,916 sqft |
| 1st Floor Area | 1,683 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 223,463 sqft (5.13 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 318 sqft |
| Patio Area | 384 sqft |
| Shed | 1 Shed |
| Shed Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 276829 |
|---|---|
| Street Address | 3710 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 302 SEC III 5.138 ACRES WAY-STAR FARM |
| Legal Subdivision | WAY-STAR FARM |
| Legal Lot Number | 302 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 752801 |
Source: Frederick County records, as of May 13, 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 | 3710 GARFIELD RD, SMITHSBURG, MD 21783-9395 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2013 · Amount on Record |
| Deed Sale | May 10, 2013 · Amount on Record |
| Deed Book / Page | 9538 / 98 |
| Prior Transfer Date | Feb 4, 2009 |
| Prior Transfer Doc | 0071700561 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 7, 2026 |
| Property Address | 3710 GARFIELD RD, SMITHSBURG, MD 21783-9395 |
| Document Number | 1785000435 |
| Book / Page | 17851 / 435 |
| Instrument Date | May 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3710 GARFIELD RD, SMITHSBURG, MD 21783-9395 |
| Document Number | 1785000435, |
|---|---|
| Date | May 7, 2026 |
| Book Page | 17851/435 |
| Name | FIRST UNITED BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | $556,800 (+21.84%) | $606,700 (+32.76%) Land $100,700 Building $506,000 | |
| 2024 | $6,286.00 (+14.21%) | ||
| 2023 | $5,504.00 | $457,000 Land $90,200 Building $366,800 | $457,000 Land $90,200 Building $366,800 |
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 | 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.
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 |
5G and 4G LTE (outdoors only)
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