Washington County property record for 74 S Main St, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,600 sqft · built 1918 |
| Lot Size | 0.355 acres (15,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Jun 2012) |
| Tax Bill | $2,786 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-010915 |
| Primary APN | 07-010915 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Total Area |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,480 sqft (0.355 acres) |
| Lot Dimensions | 258 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 248 sqft |
| Deck Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 010915 |
|---|---|
| Street Address | 74 S MAIN ST |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | LOT 1 PT 2 60X258 74 S MAIN ST |
| Legal Subdivision | TOWSONS ADD SMITHSBURG |
| Legal Lot Number | 1 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 4 |
| Census Block | 4034 |
| Census Tract | 11301 |
Source: Washington County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 74 S MAIN ST, SMITHSBURG, MD 21783-1951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2012 · Amount on Record |
| Deed Sale | Jun 14, 2012 · Amount on Record |
| Prior Sale | May 18, 2010 · Amount on Record |
| Deed Book / Page | 4304 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 6, 2026 |
| Property Address | 74 S MAIN ST, SMITHSBURG, MD 21783-1951 |
| Document Number | 7963000231 |
| Book / Page | 7963 / 231 |
| Instrument Date | Jun 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 74 S MAIN ST, SMITHSBURG, MD 21783-1951 |
| Document Number | 7963000231, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 7963/231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,786.00 (+12.38%) | $305,833 (+12.41%) | $339,600 (-) Land $56,600 Building $283,000 |
| 2025 | $2,479.00 (+20.11%) | $272,067 (+20.6%) | $339,600 (+42.51%) Land $56,600 Building $283,000 |
| 2023 | $2,064.00 | $225,600 | $238,300 Land $56,600 Building $181,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
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.
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 |
| 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.
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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