3940 Forest School Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3940 Forest School Rd, Smithsburg, MD 21783

Property Summary

Property Type	Residential Vacant Land
Details	built 1900
Lot Size	10.4 acres (455,202 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jun 2023)
Tax Bill	$1,237 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-186807`

Property Details

APN / Parcel Number

Primary APN	`06-186807`
Alternative APNs	`6186807` `186807`

Exterior

Year Built	Built 1900
Lot Area	455,202 sqft (10.4 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	186807
Old Parcel Number	6186807
Street Address	3940 FOREST SCHOOL RD
City	SMITHSBURG
State	MD
Zip	21783-9286
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	A
Legal Description	SECT II 10.45 AC N/S FOREST SCHOOL RD FOREST HILL SUB
Legal Subdivision	FOREST HILL SUB
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	6, CATOCTIN
Census Block Group	1
Census Block	1018
Census Tract	752801

Owner

Source: Frederick County records, as of September 25, 2023

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
Mailing Address	6458 ZITTLESTOWN RD, MIDDLETOWN, MD 21769-6202
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Apr 13, 2020	Deed, Transfer · Conventional Mortgage MIDDLETOWN VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on Record
Deed Sale	Jun 7, 2023 · Amount on Record
Prior Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	0016469380
Deed Book / Page	16469 / 380
Record Updated	Jun 7, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 7, 2023
Property Address	3940 FOREST SCHOOL RD, SMITHSBURG, MD 21783-9286
Document Number	0164690380
Book / Page	16469 / 380
Map Reference	MB 10 PG 89
Instrument Date	May 31, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.00
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 in Severalty
Address	6458 ZITTLESTOWN RD, MIDDLETOWN, MD 21769-6202

Mortgage

Document Number	0016469385
Date	Jun 7, 2023
Instrument	16469/385

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	6.25%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	13.2%

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 13, 2020
Property Address	3940 FOREST SCHOOL RD, SMITHSBURG, MD 21783-9286
Document Number	0136520070
Book / Page	13652 / 70
Map Reference	MB 10 PG 89
Instrument Date	Mar 31, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	MIDDLETOWN VALLEY T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
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 in Severalty
Address	3588 JOHN KLINE ROAD, SMITHSBURG, MD 21783

Mortgage

Document Number	0136520077
Date	Apr 13, 2020
Instrument	13652/0077

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.63%
Index	1-Year LIBOR
Max Rate	10.6%

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	$1,237.00	$105,600 Land $105,600	$105,600 Land $105,600

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
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 62% of the US · above 76% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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