3924 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3924 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1983
Lot Size	0.794 acres (34,630 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Jan 2024)
Tax Bill	$3,780 (2023)
Deeds & Mortgages	Jan 2024 Sale Feb 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`10-265282`

Property Details

APN / Parcel Number

Primary APN	`10-265282`
Alternative APN	`265282`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area
1st Floor Area	1,344 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	34,630 sqft (0.794 acres)
Garage Type	Mixed
Garage Area	672 sqft
Carport	Carport
Carport Area	560 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	265282
Street Address	3924 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 5 0.795 AC NE/S GAR-SMITHS RD
Legal Subdivision	SMETZER GLADYS FARM
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1007
Census Tract	752801

Owner

Source: Frederick County records, as of January 22, 2024

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3924 GARFIELD RD, SMITHSBURG, MD 21783-9399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Special Warranty Deed, Transfer TITLE FORWARD
Feb 7, 2020	Loan Modification, Mortgage · Conventional Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Jul 26, 2016 · Amount on Record
Deed Document Number	0016729488
Deed Book / Page	16729 / 488
Record Updated	Jun 7, 2026

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 10, 2024
Property Address	3924 GARFIELD RD, SMITHSBURG, MD 21783-9399
Document Number	0167290488
Book / Page	16729 / 488
Map Reference	MB 51 PG 64
Instrument Date	Dec 23, 2023
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1494 DOGWOOD DRIVE, SMITHSBURG, MD 21783

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3924 GARFIELD RD, SMITHSBURG, MD 21783-9399

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	3924 GARFIELD RD, SMITHSBURG, MD 21783-9399
Document Number	0138700051
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3924 GARFIELD RD SMITHSBURG MD 217839399, SMITHSBURG, MD 21783-9399

Mortgage

Document Number	0138700051
Date	Jul 2, 2020
Book Page	013870/000051

Lender

Name	HOME PT FIN'L

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jul 1, 2047

Interest

Rate	3.5%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,780.00	$309,900 Land $70,900 Building $239,000	$309,900 Land $70,900 Building $239,000

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
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.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 74% 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.

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

No cell data coverage reported

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