44 W Water St, Smithsburg, MD 21783 Property Records

Washington County property record for 44 W Water St, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,036 sqft · built 1859
Lot Size	0.562 acres (24,480 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Aug 2022)
Tax Bill	$3,309 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-013647`

Property Details

APN / Parcel Number

Primary APN	`07-013647`
Alternative APN	`013647`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,036 sqft Total Area
Basement Area	416 sqft
Finished Basement	416 sqft

Exterior

Year Built	Built 1859
Effective Year Built	Effective 1859
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,480 sqft (0.562 acres)
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	154 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	013647
Street Address	44 W WATER ST
City	SMITHSBURG
State	MD
Zip	21783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 85.75X255 .500AC 44 W WATER ST
Legal Lot Number	44
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 231, SMITHSBURG, MD 21783-0231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Mar 25, 2010 · Amount on Record
Deed Book / Page	7087 / 104
Prior Transfer Date	Mar 22, 2010
Prior Transfer Doc	0000005745
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 19, 2022
Property Address	44 W WATER ST, SMITHSBURG, MD 21783
Document Number	0070870104
Book / Page	7087 / 104
Instrument Date	Aug 17, 2022
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	STERLING SETTLEMENT SERVICES, STERLING STLMT SVCS OF HAGER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	44 W WATER ST, SMITHSBURG, MD 21783

Mortgage

Document Number	0070870111
Date	Aug 19, 2022
Instrument	7087-0111

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$3,309.00 (+21.61%) Homeowner's exemption	$363,267 (+21.64%)	$427,900 (-) Land $59,300 Building $368,600
2025	$2,721.00 (+27.99%) Homeowner's exemption	$298,633 (+34.38%)	$427,900 (+82.86%) Land $59,300 Building $368,600
2024	$2,126.00 (+4.57%)
2023	$2,033.00	$222,233	$234,000 Land $59,300 Building $174,700

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	Direct burnable vegetation

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 170 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	2,000 / 2,000

May also be available: Verizon.

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