43 N Main St, Smithsburg, MD 21783 Property Records

Washington County property record for 43 N Main St, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,111 sqft · built 1900
Lot Size	0.526 acres (22,925 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,900 (Mar 1989)
Tax Bill	$2,842 (2026)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-008740`

Property Details

APN / Parcel Number

Primary APN	`07-008740`
Alternative APN	`008740`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,111 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,925 sqft (0.526 acres)
Lot Dimensions	262 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Patio Area	870 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	008740
Street Address	43 N MAIN ST
City	SMITHSBURG
State	MD
Zip	21783-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 87.5X262 43 N MAIN ST
Legal Subdivision	SMITHSBURG
Legal Lot Number	43
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	3
Census Block	3003
Census Tract	11301

Owner

Source: Washington County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 267, SMITHSBURG, MD 21783-0267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 1989 · Amount on Record
Deed Sale	Mar 27, 1989 · Amount on Record
Deed Book / Page	909 / 60
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	43 N MAIN ST, SMITHSBURG, MD 21783-9609
Document Number	0056260066
Book / Page	005626 / 000066
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43 N MAIN ST SMITHSBURG MD 217839609, SMITHSBURG, MD 21783-9609

Mortgage

Document Number	0056260066
Date	Nov 2, 2017
Book Page	005626/000066

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Smithsburg Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,842.00 (+5.65%) Homeowner's exemption	$362,067 (+12.85%)	$403,300 (-) Land $58,800 Building $344,500
2025	$2,690.00 (+5.61%) Homeowner's exemption	$320,833 (+20.16%)	$403,300 (+44.24%) Land $58,800 Building $344,500
2024	$2,547.00 (+4.26%)
2023	$2,443.00	$267,000	$279,600 Land $58,800 Building $220,800

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 August 14, 2017 · 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 Claims	1 (2006)
Most Recent Claim	Jun 2006 · tidal / storm surge

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018
Water Source	Purchased surface water from CITY OF HAGERSTOWN
Last State Inspection	Mar 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Starlink Satellite	280 / 30