Frederick County property record for 3831A Forest School Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,951 sqft · built 2006 |
| Lot Size | 1.13 acres (49,658 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,431 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-188737 |
| Primary APN | 06-188737 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,951 sqft Living Area |
| 1st Floor Area | 2,826 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 49,658 sqft |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 188737 |
|---|---|
| Street Address | 3831A FOREST SCHOOL RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9285 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT - 1.14 ACRES S/S FORREST SCHOOL RD SMITHSBURG |
| Legal Subdivision | SMITHSBURG |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 6, CATOCTIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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 | 3831A FOREST SCHOOL RD, SMITHSBURG, MD 21783-9285 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Dec 15, 2017 | Deed of Trust, Mortgage · Commercial Mortgage MERIDIAN HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 11, 2013 |
| Transfer Doc | 0096140164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 16, 2026 |
| Property Address | 3831A FOREST SCHOOL RD, SMITHSBURG, MD 21783-9285 |
| Document Number | 1782000404 |
| Book / Page | 17821 / 404 |
| Instrument Date | Apr 2, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3831A FOREST SCHOOL RD, SMITHSBURG, MD 21783-9285 |
| Document Number | 1782000404, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 17821/404 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3831 FOREST SCHOOL RD # A, A, SMITHSBURG, MD 21783-9285 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0121860188 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 12186/0188 |
| Instrument | 12186-0188 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21158 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
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 | $608,100 (+8.4%) Land $125,300 Building $482,800 | $608,100 (-) Land $125,300 Building $482,800 | |
| 2025 | $6,431.00 (+6.21%) Homeowner's exemption | $561,000 (+20.18%) | $608,100 (+30.27%) Land $125,300 Building $482,800 |
| 2024 | $6,055.00 (+8.73%) | ||
| 2023 | $5,569.00 Homeowner's exemption | $466,800 Land $100,300 Building $366,500 | $466,800 Land $100,300 Building $366,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 19 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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