46 E Water St, Smithsburg, MD 21783 Property Records

Washington County property record for 46 E Water St, Smithsburg, MD 21783 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 1915
Square Footage	1,873 sqft Total Area
Lot Size	27,878 sqft (0.64 acres)
Occupancy	Owner Occupied
Last Sale	$95,000 (1994)
Tax Bill	$1,548.00 (2025)

Owner

Source: Washington County records · APN 07-003153

Assessment roll updated August 4, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 471, SMITHSBURG, MD 21783-0471
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 12, 1994 · Amount on Record
Deed Sale	Apr 12, 1994 · Amount on Record
Prior Sale	Apr 29, 1986 · Amount on Record
Deed Book / Page	1150 / 888
Last Transfer Date	Jan 09, 2024
Transfer Doc	0073910345
Record Refreshed	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Jan 22, 2024
Property Address	46 E WATER ST, SMITHSBURG, MD 21783
Document Number	0073910345
Book / Page	7391 / 345
Instrument Date	Jan 09, 2024
Transaction Type	Transfer
Record Updated	Jan 31, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety

Mortgage

Document Number	0073910352
Date	Jan 22, 2024
Instrument	7391-0352

Lender

Name	NYMEO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2054

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,833 (+11.04%)	$220,800 (-) Land $60,300 Building $160,500
2025	$1,548.00 (+5.67%) Homeowner's exemption	$180,867 (+17.02%)	$220,800 (+37.23%) Land $60,300 Building $160,500
2024	$1,465.00 (+3.61%)
2023	$1,414.00 Homeowner's exemption	$154,567	$160,900 Land $60,300 Building $100,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`07-003153`
Alternative APN	`003153`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,873 sqft Total Area
Stories	2 Stories

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	27,878 sqft (0.64 acres)
Depth X Width	358 ft x 78 ft Depth x Width
Porch Area	256 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	003153
Street Address	46 E WATER ST
City	SMITHSBURG
State	MD
Zip	21783
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 78X358AV 0.64 AC 46 E WATER ST
Legal Subdivision	BOWERS RICHARD L
Jurisdiction	WASHINGTON MD
Minor Civil Division	7, SMITHSBURG
Census Blockgroup	4
Census Block	4006
Census Tract	11301