4149 Garfield Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 4149 Garfield Rd, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,084 sqft · built 1971
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$319,900 (Mar 2017)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-266300`

Property Details

APN / Parcel Number

Primary APN	`10-266300`
Alternative APN	`266300`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,084 sqft Living Area
Gross Area	2,696 sqft
1st Floor Area	1,076 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Deck Area	80 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	266300
Street Address	4149 GARFIELD RD
City	SMITHSBURG
State	MD
Zip	21783-9129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 1 SEC A 1 ACRES WINDSONG HEIGHTS
Legal Subdivision	WINDSONG HEIGHTS
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	4149 GARFIELD RD, SMITHSBURG, MD 21783-9129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 7, 2017	Grant Deed, Transfer · FHA Mortgage WEST TOWN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2017 · Amount on Record
Deed Sale	Mar 7, 2017 · Amount on Record
Prior Sale	Sep 3, 2014 · Amount on Record
Deed Document Number	201711700-0432
Deed Book / Page	11700 / 432
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4149 GARFIELD RD, SMITHSBURG, MD 21783-9129
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146230001
Date	Mar 4, 2021
Book Page	14623/1

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Oct 1, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 7, 2017
Property Address	4149 GARFIELD RD, SMITHSBURG, MD 21783-9129
Document Number	0117000432
Book / Page	011700 / 000432
Instrument Date	Feb 24, 2017
Transaction Type	Transfer
Record Updated	Mar 29, 2017
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4149 GARGIELD RD SMITHSBURG MD 21783, SMITHSBURG, MD 21783

Mortgage

Document Number	117000438
Date	Mar 7, 2017
Book Page	011700/000438

Lender

Name	WEST TOWN BK&TR
Address	FREDERICK, MD 21703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2047

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		$445,000 (+31.15%) Land $82,500 Building $362,500	$445,000 (+31.15%) Land $82,500 Building $362,500
2025	$3,983.00 (+15.38%)
2023	$3,452.00 Homeowner's exemption	$339,300 Land $72,000 Building $267,300	$339,300 Land $72,000 Building $267,300

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 80% of the US · above 41% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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