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Single Family ResidenceResidential
$286,191$289 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $150,000 on Jan 14, 2004

3044 BLACK ROCK RD

SMITHSBURG, MD 21783
1
Baths
990 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$286K
$263K low$309K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$150,000 · Jan 14, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$145,754
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,603
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.44%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$124,237
QUICKEN LNS · recorded Nov 12, 2014
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$16,200
WELLS FARGO BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,561 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$237,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$91,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$146,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$217,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$237,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.48
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 669 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Wolfsville Elementary SchoolA+
Elementary · Grades KG–5 · 0.8 mi
H
Middletown High SchoolA-
High · Grades 9–12 · 9.5 mi
M
Middletown Middle SchoolB+
Middle · Grades 6–8 · 9.7 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21783These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.9,623
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.217 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$97,158
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,013
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3044 Black Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Frederick County
  • Costs more per square foot than 87% of homes in Smithsburg 21783
  • Smaller than 97% of homes in Frederick County
  • Has a bigger lot than 69% of homes in Frederick County
  • Older than 85% of homes in Frederick County

What homes are worth in Smithsburg 21783

Each bar is how many homes fall in that price range. The marker is this home.

This home
$161K$813K

This home is worth more than 27% of homes in Smithsburg 21783.

How it measures up in Smithsburg 21783

The dot is this home. The mark in the middle is the typical home in Smithsburg 21783.

Estimated value$286,191
CheaperTypical $346,778Pricier

Pricier than 27% of homes nearby

Price per ft²$289
CheaperTypical $217Pricier

Pricier than 87% of homes nearby

Living area990 ft²
SmallerTypical 1,608 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.48 ac
SmallerTypical 0.89 acBigger

Bigger than 38% of homes nearby

Year built1950
OlderTypical 1978Newer

Newer than 24% of homes nearby

How 3044 Black Rock Rd ranks against every home in each area.
MeasureThis homeSmithsburg 21783Frederick County
Estimated valuepricier than$286,19127% of homes8% of homes
Price per ft²pricier than$28987% of homes85% of homes
Living areabigger than990 ft²7% of homes3% of homes
Lot sizebigger than0.48 ac38% of homes69% of homes
Year builtnewer than195024% of homes15% of homes

About 3044 Black Rock Rd

How much is 3044 Black Rock Rd, Smithsburg, MD worth?

The TopHap Estimate for 3044 Black Rock Rd, Smithsburg, MD is $286,191 as of Jul 14, 2026. The likely range is $263,136 to $309,246. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3044 Black Rock Rd, Smithsburg, MD last sell?

3044 Black Rock Rd, Smithsburg, MD last sold on Jan 14, 2004 for $150,000, according to the county's recorded deed.

How big is 3044 Black Rock Rd, Smithsburg, MD?

3044 Black Rock Rd, Smithsburg, MD has 1 bathrooms, 990 square feet of living space and a 0.48-acre lot.

When was 3044 Black Rock Rd, Smithsburg, MD built?

3044 Black Rock Rd, Smithsburg, MD was built in 1950, making it 76 years old. It is a conventional home. The building has 1 story.

What schools serve 3044 Black Rock Rd, Smithsburg, MD?

3044 Black Rock Rd, Smithsburg, MD is assigned to Wolfsville Elementary School (elementary), rated A+; Middletown High School (high), rated A-; Middletown Middle School (middle), rated B+. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3044 Black Rock Rd, Smithsburg, MD compare to other homes in Smithsburg 21783?

Among the 3,449 homes in Smithsburg 21783, it is worth more than 27% of them ($286,191 against a typical $346,778), its price per square foot is higher than 87% of them ($289 against a typical $217), it is bigger than 7% of them (990 ft² against a typical 1,608 ft²), its lot is bigger than 38% of them (0.48 ac against a typical 0.89 ac) and it is newer than 24% of them (1950 against a typical 1978). Measured against all of Frederick County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3044 Black Rock Rd, Smithsburg, MD?

The 2025 property tax bill for 3044 Black Rock Rd, Smithsburg, MD was $2,561. The county assessed it at $237,500.

Closest homes

More homes in Smithsburg 21783

Assigned schools

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