3714 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3714 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,417 sqft · built 2000
Lot Size	6.57 acres (286,189 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (Aug 2021)
Tax Bill	$3,653 (2023)
Deeds & Mortgages	Jun 2018 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-276845`

Property Details

APN / Parcel Number

Primary APN	`10-276845`
Alternative APN	`276845`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,417 sqft Total Area
1st Floor Area	1,413 sqft

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	286,189 sqft (6.57 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	180 sqft
Shed	1 Shed
Shed Area	1,536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	276845
Street Address	3714 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 304 SECTION III 6.575 ACRES WAY STATION FARM
Legal Subdivision	WAY-STAN FARM SEC 03
Legal Lot Number	304
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 September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3714 GARFIELD RD, SMITHSBURG, MD 21783-9395
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage WOODSBORO BANK
Aug 12, 2021	Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Jun 10, 2013
Deed Document Number	0015191120
Deed Book / Page	15191 / 120
Record Updated	Jun 7, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3714 GARFIELD RD, SMITHSBURG, MD 21783-9395
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124640270
Date	Jun 13, 2018
Book Page	12464/0270

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 12, 2021
Property Address	3714 GARFIELD RD, SMITHSBURG, MD 21783-9395
Document Number	0151910120
Book / Page	15191 / 120
Map Reference	MB 51 PG 162
Instrument Date	Jul 7, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	COLONY TITLE GROUP LIMITED, COLONY TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3714 GARFIELD RD, SMITHSBURG, MD 21783-9395

Mortgage

Document Number	0015191128
Date	Aug 12, 2021
Instrument	15191/128

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,653.00	$299,100 Land $93,100 Building $206,000	$299,100 Land $93,100 Building $206,000

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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