3718 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3718 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,620 sqft · built 1999
Lot Size	1.61 acres (70,567 sqft)
Owner	2 Company Names on Record
Last Sale	$315,000 (Nov 2003)
Tax Bill	$4,386 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-276667`

Property Details

APN / Parcel Number

Primary APN	`10-276667`
Alternative APN	`276667`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	70,567 sqft
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	346 sqft
Deck Area	240 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	276667
Street Address	3718 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 202 SEC 2 1.622 ACRES WAY-STAN FARM
Legal Subdivision	WAY STAN FARM SEC 11
Legal Lot Number	202
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 7, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Divorce Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 9, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2003 · Amount on Record
Deed Sale	Nov 19, 2003 · Amount on Record
Prior Sale	Aug 12, 1997 · Amount on Record
Deed Document Number	20038517
Deed Book / Page	4257 / 694
Last Transfer Date	Nov 4, 2025
Transfer Doc	0176350384
Record Updated	Oct 29, 2026

December 2025: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	FREDERICK MD
Recording Date	Dec 9, 2025
Property Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395
Document Number	0176350375
Book / Page	17635 / 375
Map Reference	MB 36 PL 172
Instrument Date	Nov 4, 2025
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Dec 9, 2025
Property Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395
Document Number	0176350384
Book / Page	17635 / 384
Map Reference	MB 36 PL 172
Instrument Date	Nov 4, 2025
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395

Mortgage

Document Number	0017635391
Date	Dec 9, 2025
Instrument	17635/391

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3718 GARFIELD RD, SMITHSBURG, MD 21783-9395
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123670228
Date	Apr 16, 2018
Book Page	12367/0228

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$411,400 (+8.78%) Land $85,200 Building $326,200	$411,400 (-) Land $85,200 Building $326,200
2025	$4,386.00 (+6.22%) Homeowner's exemption	$378,200 (+21.3%)	$411,400 (+31.94%) Land $85,200 Building $326,200
2024	$4,129.00 (+8.6%)
2023	$3,802.00 Homeowner's exemption	$311,800 Land $74,700 Building $237,100	$311,800 Land $74,700 Building $237,100

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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