Frederick County property record for 4045 Forest School Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 526 sqft · built 1964 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,850 (Sep 2010) |
| Tax Bill | $1,814 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-185347 |
| Primary APN | 06-185347 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 526 sqft Living Area |
| 1st Floor Area | 526 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 26,136 sqft (0.6 acres) |
| Deck Area | 96 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 185347 |
|---|---|
| Street Address | 4045 FOREST SCHOOL RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 0.6 AC S/S FORREST SCH. RD. NR STOTTLEMYER RD. |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 6, CATOCTIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 752801 |
4045 Forest School Rd is owned and occupied by an individual who bought it in September 2010.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4045 FOREST SCHOOL RD, SMITHSBURG, MD 21783-9289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2010 · Amount on File |
| Deed Sale | Sep 8, 2010 · Amount on File |
| Prior Sale | Aug 31, 2004 · Amount on File |
| Deed Document Number | 20104449 |
| Deed Book / Page | 7980 / 279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4045 FOREST SCHOOL RD, SMITHSBURG, MD 21783-9289 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 4045 FOREST SCHOOL RD, SMITHSBURG, MD 21783-9289 |
| Document Number | 0149510273 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 14951/273 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 2, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4045 Forest School Rd was $1,814.
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 | $145,600 Land $96,900 Building $48,700 | $145,600 Land $96,900 Building $48,700 | |
| 2025 | $1,814.00 | ||
| 2023 | $1,530.00 | $118,000 Land $84,500 Building $33,500 | $118,000 Land $84,500 Building $33,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4045 Forest School Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.
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 risk around 4045 Forest School 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 65% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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