4117 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 4117 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Rural Home
Details	3.5 ba · 4,066 sqft · built 1920
Lot Size	29.4 acres (1,283,278 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Nov 2017)
Tax Bill	$7,755 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-271223`

Property Details

APN / Parcel Number

Primary APN	`10-271223`
Alternative APN	`271223`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	4,066 sqft Living Area
1st Floor Area	2,158 sqft
Basement Area	2,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	1,283,278 sqft
Garage Area	993 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	472 sqft
Milk House	350 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	271223
Street Address	4117 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9129
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	LOT 1 SEC 1 29.46 ACRES MATAN MANOR
Legal Subdivision	MATAN MANOR
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	1
Census Block	1019
Census Tract	752801

Owner

Source: Frederick County records, as of August 7, 2026

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	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Sep 19, 2023	Intrafamily Transfer, Transfer
Nov 27, 2017	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Aug 15, 2017	Deed of Trust, Mortgage · Conventional with PMI FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2017 · Amount on Record
Deed Sale	Nov 27, 2017 · Amount on Record
Prior Sale	Jan 17, 1985 · Amount on Record
Deed Document Number	201712150-0253
Deed Book / Page	12150 / 253
Last Transfer Date	Aug 22, 2023
Transfer Doc	0166040302
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129

Mortgage

Document Number	0167990208
Date	Mar 20, 2024
Book Page	16799/208

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MYERSVILLE, MD 21773

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 19, 2023
Property Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129
Document Number	0166040302
Book / Page	16604 / 302
Map Reference	MB 77 PG 121
Instrument Date	Aug 22, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 27, 2017
Property Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129
Document Number	0121500253
Book / Page	12150 / 0253
Map Reference	MB77 FO121
Instrument Date	Nov 9, 2017
Instrument	12150-0253
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129

Mortgage

Document Number	121500257
Date	Nov 27, 2017
Instrument	12150-0257

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4117 GARFIELD RD, SMITHSBURG, MD 21783-9129
Document Number	0119890348
Book / Page	011989 / 000348
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0119890348
Date	Aug 21, 2017
Book Page	011989/000348

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LANCASTER, PA 17604

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$767,600 (+8.84%) Land $132,700 Building $634,900	$767,600 (-) Land $132,700 Building $634,900
2025	$7,755.00 (+7.98%) Homeowner's exemption	$705,267 (+21.47%)	$767,600 (+32.21%) Land $132,700 Building $634,900
2024	$7,182.00 (+8.11%)
2023	$6,643.00 Homeowner's exemption	$580,600 Land $117,000 Building $463,600	$580,600 Land $117,000 Building $463,600

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 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

5G and 4G LTE (outdoors only)

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