Frederick County property record for 4218 Garfield Rd, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,560 sqft · built 1994 |
| Lot Size | 4.13 acres (180,338 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,451 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-277388 |
| Primary APN | 10-277388 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,160 sqft |
| 1st Floor Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 180,338 sqft |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Breezeway |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 100 sqft |
| Breezeway | Breezeway |
| Shed | 1 Shed |
| Shed Area | 768 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 277388 |
|---|---|
| Street Address | 4218 GARFIELD RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 3 SEC 2 4.1417 ACRES GAR-FIELD |
| Legal Subdivision | GARFIELD LEWIS ADD/LEWIS SEC 02 |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 752801 |
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 | 4218 GARFIELD RD, SMITHSBURG, MD 21783-9206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4218 GARFIELD RD, SMITHSBURG, MD 21783-9206 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 4218 GARFIELD RD, SMITHSBURG, MD 21783-9206 |
| Document Number | 0162990230 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 16299/230 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
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 | $382,300 (+31.01%) Land $88,700 Building $293,600 | $382,300 (+31.01%) Land $88,700 Building $293,600 | |
| 2025 | $4,451.00 (+24.78%) | ||
| 2023 | $3,567.00 | $291,800 Land $78,200 Building $213,600 | $291,800 Land $78,200 Building $213,600 |
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 80% of the US · above 41% 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G and 4G LTE (outdoors only)
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