Washington County property record for 59 E Water St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,120 sqft · built 1996 |
| Lot Size | 0.318 acres (13,839 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Jan 1997) |
| Tax Bill | $2,025 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-007248 |
| Primary APN | 07-007248 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,120 sqft Total Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,839 sqft (0.318 acres) |
| Deck Area | 540 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 007248 |
|---|---|
| Street Address | 59 E WATER ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | IRREG LOT 0.318 AC 59 E WATER ST |
| Legal Subdivision | HOFFMANS ADD WILLIAMSPORT |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 11301 |
Source: Washington County records · APN 07-007248
Assessment roll updated August 4, 2025 · 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 | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 06, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE LLC |
| Sep 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 01, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 1997 · Amount on Record |
| Deed Sale | Jan 06, 1997 · Amount on Record |
| Prior Sale | Nov 01, 1994 · Amount on Record |
| Deed Document Number | 199727797 |
| Deed Book / Page | 1314 / 839 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Document Number | 0078740148 |
|---|---|
| Date | Mar 06, 2026 |
| Book Page | 7874/148 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 257 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Transaction Type | Mortgage |
| Record Updated | Oct 09, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Document Number | 0073250473 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 7325/473 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 287 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 59 E WATER ST, SMITHSBURG, MD 21783-1605 |
| Document Number | 0055680064 |
| Book / Page | 005568 / 000064 |
| Instrument Date | Aug 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 59 E WATER ST SMITHSBURG MD 217831605, SMITHSBURG, MD 21783-1605 |
| Document Number | 0055680064 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 005568/000064 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2047 |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
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 | $253,133 (+4.79%) | $264,700 (-) Land $61,900 Building $202,800 | |
| 2025 | $2,025.00 (+11.08%) Homeowner's exemption | $241,567 (+17.38%) | $264,700 (+15.09%) Land $61,900 Building $202,800 |
| 2023 | $1,823.00 Homeowner's exemption | $205,800 | $230,000 Land $61,900 Building $168,100 |
Source: FEMA National Flood Hazard Layer as of August 14, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Schurz Communications Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 234 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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