3923 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3923 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,406 sqft · built 1975
Lot Size	5.03 acres (219,542 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Sep 2020)
Tax Bill	$3,565 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-265290`

Property Details

APN / Parcel Number

Primary APN	`10-265290`
Alternative APN	`265290`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	1,406 sqft
Basement Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	219,542 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	532 sqft
Shed	1 Shed
Shed Area	1,024 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	265290
Street Address	3923 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PART OF LT5 5.04 AC S/S GAR-SMITHS. RD & GAR.-SMITHS. RD.
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1006
Census Tract	752801

Owner

3923 Garfield Rd is owned and occupied by two individuals who bought it in September 2020.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST
Sep 21, 2020	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Apr 21, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Apr 21, 2020 · Amount on File
Deed Book / Page	14087 / 259
Transfer Doc	0000000303
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201

Mortgage

Document Number	0159520231
Date	Jun 1, 2022
Book Page	15952/231

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	MYERSVILLE, MD 21773

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 21, 2020
Property Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201
Document Number	0140870259
Book / Page	14087 / 259
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201

Mortgage

Document Number	14087263
Date	Sep 21, 2020
Instrument	14087/263

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 21, 2020
Property Address	3923 GARFIELD RD, SMITHSBURG, MD 21783-9201
Document Number	0136690195
Book / Page	013669 / 000195
Instrument Date	Nov 6, 2019
Transaction Type	Foreclosure
Record Updated	Jun 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$206.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3923 GARFIELD RD SMITHSBURG MD 217839201, SMITHSBURG, MD 21783-9201

Tax Assessment & Valuation

The 2025 property tax bill for 3923 Garfield Rd was $3,565 with a homeowner's exemption.

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		$319,300 Land $100,500 Building $218,800	$319,300 Land $100,500 Building $218,800
2025	$3,565.00
2023	$3,102.00 Homeowner's exemption	$252,100 Land $90,000 Building $162,100	$252,100 Land $90,000 Building $162,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3923 Garfield Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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.

Wildfire

Wildfire risk around 3923 Garfield Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 75% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Garfield Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures