Frederick County property record for 4118 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,850 sqft · built 1981 |
| Lot Size | 4.67 acres (203,861 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Jun 1998) |
| Tax Bill | $4,722 (2023) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-270790 |
| Primary APN | 10-270790 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,850 sqft Total Area |
| 1st Floor Area | 925 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 203,861 sqft (4.67 acres) |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 483 sqft |
| Patio Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 270790 |
|---|---|
| Street Address | 4118 GARFIELD RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT1 SEC 1 4.68 AC NE/S GARFIELD RD FIVE SPRINGS |
| Legal Subdivision | FINE SPGS |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 752801 |
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 | 4118 GARFIELD RD, SMITHSBURG, MD 21783-9204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 1998 · Amount on Record |
| Deed Sale | Jun 2, 1998 · Amount on Record |
| Prior Sale | Oct 30, 1995 |
| Deed Document Number | 983247 |
| Deed Book / Page | 02427 / 00656 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4118 GARFIELD RD, SMITHSBURG, MD 21783-9204 |
| Document Number | 0120300075 |
| Book / Page | 012030 / 000075 |
| Instrument Date | Aug 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4118 GARFIELD RD SMITHSBURG MD 217839204, SMITHSBURG, MD 21783-9204 |
| Document Number | 0120300075 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 012030/000075 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Sep 13, 2030 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,722.00 Homeowner's exemption | $390,300 Land $88,500 Building $301,800 | $390,300 Land $88,500 Building $301,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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