Washington County property record for 48 N Main St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,120 sqft · built 2005 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (May 2021) |
| Tax Bill | $3,057 (2026) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jul 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-005776 |
| Primary APN | 07-005776 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Total Area |
| Basement Area | 832 sqft |
| Finished Basement | 832 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Deck Area | 160 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 005776 |
|---|---|
| Street Address | 48 N MAIN ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-9606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Description | LT 1 67.5X150 .23 AC 48 N MAIN ST |
| Legal Subdivision | JACK WOLFE |
| Legal Lot Number | 1 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 11301 |
48 N Main St is owned by an individual who acquired it in December 2024.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11017 KEMPS MILL RD, WILLIAMSPORT, MD 21795-3129 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2021 | Deed, Transfer · FHA Mortgage SEVERN SAVINGS BANK FSB |
| Jul 27, 2020 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on File |
| Deed Sale | May 26, 2021 · Amount on File |
| Prior Sale | Oct 8, 2014 · Amount on File |
| Deed Book / Page | 6636 / 485 |
| Last Transfer Date | Dec 24, 2024 |
| Transfer Doc | 0076050026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 26, 2021 |
| Property Address | 48 N MAIN ST, SMITHSBURG, MD 21783-9606 |
| Document Number | 0066360485 |
| Book / Page | 6636 / 485 |
| Instrument Date | May 6, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 48 N MAIN ST, SMITHSBURG, MD 21783-9606 |
| Document Number | 0006636491 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 6636/491 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 48 N MAIN ST, SMITHSBURG, MD 21783-9606 |
| Document Number | 0064160004 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 48 N MAIN ST SMITHSBURG MD 217839606, SMITHSBURG, MD 21783-9606 |
| Document Number | 0064160004 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 006416/000004 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 5, 2045 |
The 2026 property tax bill for 48 N Main St was $3,057, up 9.2% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| 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 | $3,057.00 (+9.22%) | $335,567 (+9.22%) | $363,900 (-) Land $55,000 Building $308,900 |
| 2025 | $2,799.00 (+10.2%) | $307,233 | $363,900 Land $55,000 Building $308,900 |
| 2024 | $2,540.00 (+13.19%) | ||
| 2023 | $2,244.00 | $245,333 | $278,900 Land $55,000 Building $223,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 48 N Main St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
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 |
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