61 E Water St, #A, Smithsburg, MD 21783 Property Records

Washington County property record for 61 E Water St, #A, Smithsburg, MD 21783 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,415 sqft · built 1957
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2026)
Tax Bill	$3,500 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-007221`

Property Details

APN / Parcel Number

Primary APN	`07-007221`
Alternative APN	`007221`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,415 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Basement
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Patio Area	324 sqft
Greenhouse	80 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	007221
Street Address	61 E WATER ST, A
City	SMITHSBURG
State	MD
Zip	21783-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.5 ACRES 61A E WATER ST
Jurisdiction	WASHINGTON MD
Township / Civil Division	7, SMITHSBURG
Census Block Group	4
Census Block	4015
Census Tract	11301

Owner

Source: Washington County records · APN 07-007221

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	61A E WATER ST, SMITHSBURG, MD 21783-1605
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 05, 2026 · Amount on Record
Deed Sale	May 05, 2026 · Amount on Record
Prior Sale	Jan 26, 1994 · Amount on Record
Deed Document Number	2026
Deed Book / Page	7918 / 376
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	May 05, 2026
Property Address	61 E WATER ST, A, SMITHSBURG, MD 21783-1605
Document Number	7918000376
Book / Page	7918 / 376
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	61A E WATER ST, SMITHSBURG, MD 21783-1605

Mortgage

Document Number	7918000382,
Date	May 05, 2026
Book Page	7918/382

Lender

Name	EMPIRE FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 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

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		$404,400 (+5.26%)	$424,600 (-) Land $78,700 Building $345,900
2025	$3,500.00 (+5.58%)	$384,200 (+15.64%)	$424,600 (+16.65%) Land $78,700 Building $345,900
2024	$3,315.00 (+9.08%)
2023	$3,039.00	$332,233	$364,000 Land $78,700 Building $285,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240430113014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 7,692 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 234 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Schurz Communications	Fiber	2,300 / 2,300
Xfinity	Fiber	2,000 / 2,000
Schurz Communications	Cable	1,300 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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