Washington County property record for 38 S Main St, Smithsburg, MD 21783
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 ba · 2,826 sqft · built 1884 |
| Lot Size | 0.178 acres (7,753 sqft) |
| Owner | Company Name on Record |
| Last Sale | $60,000 (Oct 2003) |
| Tax Bill | $2,261 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-003013 |
| Primary APN | 07-003013 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,826 sqft Total Area |
| 1st Floor Area | 2,826 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Exterior Material | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 7,753 sqft (0.178 acres) |
| Garage Type | Detached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 205 sqft |
| Heating System | Heat Pump |
|---|---|
| Sewer | Connected |
| Account Number | 003013 |
|---|---|
| Street Address | 38 S MAIN ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | U |
| Legal Description | IRREG LT .178AC 38/40 S MAIN ST |
| Legal Lot Number | .178AC |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4032 |
| Census Tract | 11301 |
Source: Washington County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 22725 STEVENSON RD, SMITHSBURG, MD 21783-1351 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2003 · Amount on Record |
| Deed Sale | Oct 15, 2003 · Amount on Record |
| Deed Document Number | 200328662 |
| Deed Book / Page | 2159 / 532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 38 S MAIN 38/40 ST, SMITHSBURG, MD 21783 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057000355 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 5700/0355 |
| Name | CNB BANK INC |
|---|---|
| Type | Bank |
| Address | BERKELEY SPRINGS, WV 25411 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 2, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Washington County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $248,600 (+0.16%) | $249,000 (-) Land $62,000 Building $187,000 | |
| 2025 | $2,261.00 (-0.26%) | $248,200 (+0.16%) | $249,000 (+0.48%) Land $62,000 Building $187,000 |
| 2023 | $2,267.00 | $247,800 Land $62,000 Building $185,800 | $247,800 Land $62,000 Building $185,800 |
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 August 14, 2017 · 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 | 5 in force |
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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018 |
|---|---|
| Water Source | Purchased surface water from CITY OF HAGERSTOWN |
| Last State Inspection | Mar 2026 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures