Frederick County property record for 3908 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,528 sqft · built 1977 |
| Lot Size | 6.21 acres (270,943 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,550 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-271894 |
| Primary APN | 10-271894 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,528 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 270,943 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Patio Area | 345 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 271894 |
|---|---|
| Street Address | 3908 GARFIELD RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 3 6.226 AC NE/S GAR-SMITHS RD GLADYS SMETZER FARM SUB |
| Legal Subdivision | GLADYS SMETZER FARM SUB |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | 3908 GARFIELD RD, SMITHSBURG, MD 21783-9399 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2009 |
| Deed Sale | May 20, 2009 |
| Deed Document Number | 200991951 |
| Deed Book / Page | 7321 / 245 |
| Prior Transfer Date | May 15, 2009 |
| Prior Transfer Doc | 0073210245 |
| Record Updated | Sep 20, 2026 |
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 | $316,900 (+7.45%) Land $102,900 Building $214,000 | $316,900 (-) Land $102,900 Building $214,000 | |
| 2025 | $3,550.00 (+6%) Homeowner's exemption | $294,933 (+17.5%) | $316,900 (+26.25%) Land $102,900 Building $214,000 |
| 2024 | $3,349.00 (+8.42%) | ||
| 2023 | $3,089.00 Homeowner's exemption | $251,000 Land $92,400 Building $158,600 | $251,000 Land $92,400 Building $158,600 |
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 66% of the US · above 70% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
4G LTE (outdoors only), no 5G reported
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