3940 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 3940 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,727 sqft · built 2022
Lot Size	11.7 acres (510,959 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Oct 2020)
Tax Bill	$6,471 (2023)
Deeds & Mortgages	Feb 2021 Construction Loan Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-275377`

Property Details

APN / Parcel Number

Primary APN	`10-275377`
Alternative APN	`275377`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,727 sqft Total Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	510,959 sqft (11.7 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Shed Area	240 sqft
Stable	450 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	275377
Street Address	3940 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 4-11.73 AC NE/S GAR-SMITHS RD
Legal Subdivision	GLADYS SMETZER FARM SUB SEC 1
Legal Lot Number	4
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 September 25, 2023

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	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Construction Mortgage MCLEAN MORTGAGE CORP
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Oct 9, 2020	Grant Deed, Transfer NOT AVAILABLE
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Prior Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	0014159307
Deed Book / Page	14159 / 307
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 BRIARFIELD CT, MYERSVILLE, MD 21773-8615

Mortgage

Document Number	0145560051
Date	Feb 17, 2021
Book Page	14556/51

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 1, 2021
Change Frequency	Monthly
Min Rate At Change	4.25%
Max Rate At Change	16.2%
Index	Prime Rate
Margin	1
Max Rate	16.2%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399

Mortgage

Document Number	0158190448
Date	Mar 29, 2022
Book Page	15819/448

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 9, 2020
Property Address	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399
Document Number	0141590307
Book / Page	014159 / 000307
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 GARFIELD RD SMITHSBURG MD 21783, SMITHSBURG, MD 21783

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3940 GARFIELD RD, SMITHSBURG, MD 21783-9399
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	OLDE TOWNE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3116 VALLEY VIEW CT ROHRERSVILLE MD 217791269, ROHRERSVILLE, MD 21779-1269

Mortgage

Document Number	135150481
Date	Feb 7, 2020
Book Page	013515/000481

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MOUNT JOY, PA 17552

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$6,471.00	$541,500 Land $103,400 Building $438,100	$541,500 Land $103,400 Building $438,100

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 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

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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