4102 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 4102 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,971 sqft · built 1977
Lot Size	6.89 acres (300,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2014)
Tax Bill	$4,639 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-269407`

Property Details

APN / Parcel Number

Primary APN	`10-269407`
Alternative APN	`269407`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,971 sqft Living Area
Gross Area	2,643 sqft
1st Floor Area	1,971 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	300,128 sqft (6.89 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,016 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	269407
Street Address	4102 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 7 6.899 AC N/SMITHS-GAR. RD. STONY BATTER
Legal Subdivision	STONY BATTER
Legal Lot Number	7
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1000
Census Tract	752801

Owner

Source: Frederick County records, as of August 4, 2025

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	4102 GARFIELD RD, SMITHSBURG, MD 21783-9204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 23, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 2, 2017	Deed of Trust, Mortgage · VA Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2014 · Amount on Record
Deed Sale	Dec 18, 2014 · Amount on Record
Prior Sale	Feb 12, 2014 · Amount on Record
Deed Book / Page	10325 / 497
Transfer Doc	0024590079
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4102 GARFIELD RD, SMITHSBURG, MD 21783-9204
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154820466
Date	Nov 9, 2021
Book Page	15482/466

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4102 GARFIELD RD, SMITHSBURG, MD 21783-9204
Document Number	0122730029
Book / Page	012273 / 000029
Instrument Date	Jan 23, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ADVANTAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9102 GARFIELD RD SMITHSBURG MD 21783, SMITHSBURG, MD 21783

Mortgage

Document Number	0122730029
Date	Feb 9, 2018
Book Page	012273/000029

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4102 GARFIELD RD, SMITHSBURG, MD 21783-9204
Document Number	0118790415
Book / Page	011879 / 000415
Instrument Date	Jun 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4102 GARFIELD RD SMITHSBURG MD 217839204, SMITHSBURG, MD 21783-9204

Mortgage

Document Number	0118790415
Date	Jun 20, 2017
Book Page	011879/000415

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20852

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$424,167 (+20.6%)	$460,400 (+30.91%) Land $104,200 Building $356,200
2024	$4,639.00 (+8.67%)
2023	$4,269.00 Homeowner's exemption	$351,700 Land $93,700 Building $258,000	$351,700 Land $93,700 Building $258,000

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
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 66% of the US · above 70% 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 11 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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