Washington County property record for 48 E Water St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,640 sqft · built 2004 |
| Lot Size | 0.538 acres (23,447 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $249,400 (Jan 2017) |
| Tax Bill | $3,335 (2025) |
| Deeds & Mortgages | Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-037112 |
| Primary APN | 07-037112 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,640 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,447 sqft (0.538 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 037112 |
|---|---|
| Street Address | 48 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Description | LOT 1 .54 AC 48 E WATER ST |
| Legal Subdivision | MYERS HOMER & MILDRED |
| Legal Lot Number | 1 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 11301 |
Source: Washington County assessment roll, as of August 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 48 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2017 · Amount on Record |
| Deed Sale | Jan 13, 2017 · Amount on Record |
| Prior Sale | Oct 7, 2016 · Amount on Record |
| Deed Document Number | 20175417-0091 |
| Deed Book / Page | 5417 / 91 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jan 13, 2017 |
| Property Address | 48 E WATER ST, SMITHSBURG, MD 21783-1604 |
| Document Number | 0054170091 |
| Book / Page | 5417 / 0091 |
| Map Reference | PL7356 |
| Instrument Date | Nov 23, 2016 |
| Instrument | 5417-0091 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | OLDE TOWNE TTITLE IC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,620.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 489 EAST WATER ST, SMITHSBURG, MD 21783 |
| Document Number | 0054170096 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 5417-0096 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
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 | $453,933 (+13.41%) | $507,600 (-) Land $59,000 Building $448,600 | |
| 2025 | $3,335.00 (+11.69%) Homeowner's exemption | $400,267 (+22.62%) | $507,600 (+46.45%) Land $59,000 Building $448,600 |
| 2023 | $2,986.00 | $326,433 | $346,600 Land $59,000 Building $287,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures