Frederick County property record for 4738 Fox Tower Rd, Smithsburg, MD 21783 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,352 sqft · built 1997 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | Company Name on File |
| Last Sale | $278,050 (Apr 2024) |
| Tax Bill | $3,494 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Apr 2017 Reverse Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-270936 |
| Primary APN | 10-270936 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 3,144 sqft |
| 1st Floor Area | 1,832 sqft |
| Basement Area | 792 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 54,450 sqft |
| Porch | Breezeway |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 120 sqft |
| Breezeway | Breezeway |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 270936 |
|---|---|
| Street Address | 4738 FOX TOWER RD |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 1/4 AC NE/S TOWER RD. OFF FOX.-GAR. RD. |
| Legal Subdivision | FOXVILLE-GARFIELD |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 752900 |
Source: Frederick County records · APN 10-270936
Assessment roll updated August 7, 2026 · 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 | Company Name on File |
|---|---|
| Mailing Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Apr 23, 2024 | Deed, Transfer · Commercial Mortgage HORIZON FARM CREDIT ACA |
| Apr 25, 2017 | Deed of Trust, Mortgage · Reverse Mortgage UNJITED NORTHERN MORTGAGE BANKERS LIMIOT |
| Nov 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND |
| Nov 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Dec 18, 2015 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 23, 2024 · Amount on Record |
| Deed Sale | Apr 23, 2024 · Amount on Record |
| Deed Book / Page | 16837 / 1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2024 |
| Property Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Document Number | 0168370001 |
| Book / Page | 16837 / 1 |
| Instrument Date | Apr 01, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2024 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,390.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14343 STOTTLEMYER RD, SMITHSBURG, MD 21783-9235 |
| Document Number | 0000168376 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | 16837/6 |
| Name | HORIZON FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0117830134 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 11783/0134 |
| Instrument | 11783-0134 |
| Name | UNJITED NORTHERN MORTGAGE BANKERS LIMIOT |
|---|---|
| Type | Non-Lending Institution |
| Address | LEVITTOWN, NY 11756 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 933 Months |
| Due | Jan 27, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.06% |
| Type Change Date | Jan 18, 2017 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Document Number | 0122860081 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | NATIONAL ADVANTAGE SETTLEMENT |
| Name | Verified Name |
|---|---|
| Address | 4738 FOX TOWER RD SMITHSBURG MD 217839254, SMITHSBURG, MD 21783-9254 |
| Document Number | 0122860081 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 012286/000081 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 924 Months |
| Due | Feb 20, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.61% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Document Number | 0122860104 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE GRP |
| Name | Verified Name |
|---|---|
| Address | 4738 FOX TOWER RD SMITHSBURG MD 217839254, SMITHSBURG, MD 21783-9254 |
| Document Number | 0122860104 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 012286/000104 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 924 Months |
| Due | Feb 20, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.61% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4738 FOX TOWER RD, SMITHSBURG, MD 21783-9254 |
| Document Number | 0117830158 |
| Instrument Date | Dec 18, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2017 |
| Title Company | FREESTATE TITLE CNSLTS LLC |
| Name | Verified Name |
|---|---|
| Address | 4738 FOX TOWER RD SMITHSBURG MD 217839254, SMITHSBURG, MD 21783-9254 |
| Document Number | 0117830158 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 011783/000158 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 936 Months |
| Due | Apr 24, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.06% |
Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $293,300 (+28.64%) Land $94,800 Building $198,500 | $293,300 (+28.64%) Land $94,800 Building $198,500 | |
| 2025 | $3,494.00 (+22.68%) | ||
| 2023 | $2,848.00 Homeowner's exemption | $228,000 Land $82,800 Building $145,200 | $228,000 Land $82,800 Building $145,200 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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