5324 Smith Dr, Indian Head, MD 20640 Property Records

Charles County property record for 5324 Smith Dr, Indian Head, MD 20640

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,176 sqft · built 1965
Lot Size	0.467 acres (20,348 sqft)
Owner	Individual Name on File
Last Sale	$216,635 (Aug 2019)
Tax Bill	$7,767 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-000181`

Property Details

APN / Parcel Number

Primary APN	`10-000181`
Alternative APN	`000181`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	20,348 sqft (0.467 acres)
Porch	Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	000181
Street Address	5324 SMITH DR
City	INDIAN HEAD
State	MD
Zip	20640-3448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WCD
Legal Description	LOT 15 SEC 1 RED HILL EST SUB
Legal Subdivision	RED HILL EST SUB
Legal Block	1
Legal Lot Number	15
Jurisdiction	CHARLES MD
Township / Civil Division	10, MARBURY
Census Block Group	1
Census Block	1022
Census Tract	850300

Owner

5324 Smith Dr is owned and occupied by an individual who bought it in August 2019.

Source: Charles County records, as of September 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5324 SMITH DR, INDIAN HEAD, MD 20640-3448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2019 · Amount on File
Deed Sale	Aug 27, 2019 · Amount on File
Prior Sale	Dec 8, 2005
Deed Book / Page	10760 / 292
Transfer Doc	0055840688
Record Updated	Oct 29, 2026

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 27, 2019
Property Address	5324 SMITH DR, INDIAN HEAD, MD 20640-3448
Document Number	0107600292
Book / Page	10760 / 292
Map Reference	MB PCM 7 FO 53
Instrument Date	Jul 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 SMITH DR, INDIAN HEAD, MD 20640-3448

Mortgage

Document Number	10760302
Date	Aug 27, 2019
Instrument	10760/302

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	395 Months
Due	Jul 25, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5324 Smith Dr was $7,767.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,267 (+13.8%)	$340,800 (+41.41%) Land $110,000 Building $230,800
2025	$7,767.00	$241,000 Land $85,000 Building $156,000	$241,000 Land $85,000 Building $156,000
2023	$3,139.00	$214,400	$241,000 Land $85,000 Building $156,000

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

Flood

FEMA maps place 5324 Smith Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2018 · other causes

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

Wildfire risk around 5324 Smith Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RED HILL WATER COMPANY, INC. private · serves 200 people · EPA ID MD0080040
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250