Washington County property record for 45 Amanda Dr, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 2001 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $284,000 (Mar 2020) |
| Tax Bill | $2,648 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-032323 |
| Primary APN | 07-032323 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Total Area |
| Basement Area | 960 sqft |
| Finished Basement | 960 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,800 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 032323 |
|---|---|
| Street Address | 45 AMANDA DR |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 256 0.25 ACRE 45 AMANDA DRIVE WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 4 |
| Legal Lot Number | 256 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11301 |
Source: Washington County records, as of August 18, 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 | 45 AMANDA DR, SMITHSBURG, MD 21783-1573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Mar 20, 2020 | Grant Deed, Transfer EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on Record |
| Deed Sale | Mar 20, 2020 · Amount on Record |
| Prior Sale | Aug 18, 2006 · Amount on Record |
| Deed Book / Page | 6206 / 285 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 45 AMANDA DR, SMITHSBURG, MD 21783-1573 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0064370220 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 6437/220 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Mar 20, 2020 |
| Property Address | 45 AMANDA DR, SMITHSBURG, MD 21783-1573 |
| Document Number | 0062060285 |
| Book / Page | 006206 / 000285 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $284.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 AMANDA DR SMITHSBURG MD 217831573, SMITHSBURG, MD 21783-1573 |
| Document Number | 62060292 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 006206/000292 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 19, 2050 |
Source: Washington County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,667 (+6.37%) | $344,100 (-) Land $65,400 Building $278,700 | |
| 2025 | $2,648.00 (+10.56%) Homeowner's exemption | $305,233 (+16.58%) | $344,100 (+20.4%) Land $65,400 Building $278,700 |
| 2023 | $2,395.00 | $261,833 | $285,800 Land $65,400 Building $220,400 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 295 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 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures