4861 Fox Tower Rd, Smithsburg, MD 21783 Property Records

Frederick County property record for 4861 Fox Tower Rd, Smithsburg, MD 21783

Property Summary

Property Type	Rural Home
Details	2 ba · 1,952 sqft · built 2017
Lot Size	10.1 acres (440,827 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,465 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-265517`

Property Details

APN / Parcel Number

Primary APN	`10-265517`
Alternative APN	`265517`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,952 sqft Living Area
1st Floor Area	1,952 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	440,827 sqft
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	265517
Street Address	4861 FOX TOWER RD
City	SMITHSBURG
State	MD
Zip	21783-9217
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	10.125 AC W/S TOWER RD. NR FOX.-GAR. RD.
Jurisdiction	FREDERICK MD
Township / Civil Division	10, HAUVERS
Census Block Group	2
Census Block	2052
Census Tract	752900

Owner

Source: Frederick County records · APN 10-265517

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	2 Individual Names on File
Mailing Address	4861 FOX TOWER RD, SMITHSBURG, MD 21783-9217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Jul 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 15, 2016
Transfer Doc	0111130414
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4861 FOX TOWER RD, SMITHSBURG, MD 21783-9217
Transaction Type	Mortgage
Record Updated	Jun 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4861 FOX TOWER RD, SMITHSBURG, MD 21783-9217

Mortgage

Document Number	0159350001
Date	May 23, 2022
Book Page	15935/1

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MYERSVILLE, MD 21773

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4861 FOX TOWER RD, SMITHSBURG, MD 21783-9217
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150630415
Date	Jul 06, 2021
Book Page	15063/415

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick 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		$416,300 (+8.11%) Land $84,400 Building $331,900	$416,300 (-) Land $84,400 Building $331,900
2025	$4,465.00 (+6.18%) Homeowner's exemption	$385,067 (+19.36%)	$416,300 (+29.05%) Land $84,400 Building $331,900
2024	$4,205.00 (+8.71%)
2023	$3,868.00 Homeowner's exemption	$322,600 Land $73,900 Building $248,700	$322,600 Land $73,900 Building $248,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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