57 S Main St, Smithsburg, MD 21783 Property Records

Washington County property record for 57 S Main St, Smithsburg, MD 21783

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,816 sqft · built 1918
Lot Size	0.246 acres (10,710 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jan 2023)
Tax Bill	$2,174 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-001134`

Property Details

APN / Parcel Number

Primary APN	`07-001134`
Alternative APN	`001134`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,816 sqft Total Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	10,710 sqft (0.246 acres)
Lot Dimensions	255 ft deep x 42 ft wide
Porch	Slab
Porch Area	180 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	001134
Street Address	57 S MAIN ST
City	SMITHSBURG
State	MD
Zip	21783-1950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 42X255 .246 AC 57 S MAIN ST
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	4
Census Block	4019
Census Tract	11301

Owner

57 S Main St is owned and occupied by an individual who bought it in January 2023.

Source: Washington County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	57 S MAIN ST, SMITHSBURG, MD 21783-1950
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed, Transfer · FHA Mortgage NFM INC
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST TOWN BANK & TRUST
Apr 5, 2017	Grant Deed, Transfer WEST TOWN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2023 · Amount on File
Deed Sale	Jan 10, 2023 · Amount on File
Prior Sale	Apr 5, 2017 · Amount on File
Deed Book / Page	7174 / 323
Prior Transfer Date	Dec 30, 2015
Prior Transfer Doc	0051990137
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 10, 2023
Property Address	57 S MAIN ST, SMITHSBURG, MD 21783-1950
Document Number	0071740323
Book / Page	7174 / 323
Instrument Date	Dec 30, 2022
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 S MAIN ST, SMITHSBURG, MD 21783-1950

Mortgage

Document Number	0071740331
Date	Jan 10, 2023
Instrument	7174-0331

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	57 S MAIN ST, SMITHSBURG, MD 21783-1950
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067700327
Date	Sep 27, 2021
Book Page	6770/327

Lender

Name	WEST TOWN BANK & TRUST
Type	Bank
Address	RALEIGH, NC 27615

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Apr 5, 2017
Property Address	57 S MAIN ST, SMITHSBURG, MD 21783-1950
Document Number	0054760025
Book / Page	005476 / 000025
Instrument Date	Mar 30, 2017
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	57 S MAINT ST SMITHSBURG MD 21783, SMITHSBURG, MD 21783

Mortgage

Document Number	54760031
Date	Apr 5, 2017
Book Page	005476/000031

Lender

Name	WEST TOWN BK&TR
Address	FREDERICK, MD 21703

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 57 S Main St was $2,174 with a homeowner's exemption, up 5.6% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Smithsburg Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,174.00 (+5.64%) Homeowner's exemption	$259,733 (+9.51%)	$282,300 (-) Land $55,200 Building $227,100
2025	$2,058.00 Homeowner's exemption	$237,167	$282,300 Land $55,200 Building $227,100
2023	$1,862.00 Homeowner's exemption	$203,600	$214,600 Land $55,200 Building $159,400

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

Flood

FEMA maps place 57 S 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

Wildfire risk around 57 S Main St 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Antietam Cable Cable · Fiber in parts of the area	1,300 / 50

May also be available: Verizon.

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