Frederick County property record for 3716 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 948 sqft · built 1988 |
| Lot Size | 2.08 acres (91,040 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Oct 2018) |
| Tax Bill | $4,090 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-276675 |
| Primary APN | 10-276675 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 91,040 sqft |
| Deck Area | 408 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 276675 |
|---|---|
| Street Address | 3716 GARFIELD RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9395 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 203 SEC 2 2.093 ACRES WAY-STAN FARM |
| Legal Subdivision | WAY-STAN FARM |
| Legal Lot Number | 203 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 752801 |
Source: Frederick County records, as of August 7, 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 | 3716 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 | Oct 5, 2018 · Amount on Record |
| Deed Sale | Oct 5, 2018 · Amount on Record |
| Prior Sale | Jun 23, 2011 · Amount on Record |
| Deed Book / Page | 12657 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 5, 2018 |
| Property Address | 3716 GARFIELD RD, SMITHSBURG, MD 21783-9395 |
| Document Number | 0126570320 |
| Book / Page | 12657 / 0320 |
| Map Reference | MB36 FO172 |
| Instrument Date | Oct 2, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $637.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3716 GARFIELD RD, SMITHSBURG, MD 21783-9395 |
| Document Number | 0012657346 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 12657/346 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNIT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0126570327 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 12657/0327 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Address | MIDDLETOWN, MD 21769 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $360,800 (+46.49%) Land $87,400 Building $273,400 | $360,800 (+46.49%) Land $87,400 Building $273,400 | |
| 2025 | $4,090.00 (+34.81%) | ||
| 2023 | $3,034.00 | $246,300 Land $76,900 Building $169,400 | $246,300 Land $76,900 Building $169,400 |
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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