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$349,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1,318 Sq. Ft.
  • 1 Car Garage
  • Updated 1 day ago
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This charming Cape Cod home in the heart of Smithsburg offers a perfect blend of comfort and style. The Hardwood Floors have been refinished and the interior and exterior are freshly painted. New roof in 2024! With 3 spacious bedrooms and 2 full bathrooms, the traditional floor plan invites you to enjoy cozy gatherings in the dining area or relax by the Living room fireplace on chilly evenings. The rustic kitchen with new faucet and vinyl plank flooring features essential appliances, including an electric oven/range a new refrigerator and new dishwasher, making meal prep a breeze. The upstairs bathroom has also been fully renovated. Step outside to a lovely porch, ideal for morning coffee or evening relaxation, and enjoy the expansive 0.4-acre lot, complete with a detached garage. The home is close to nearby parks and recreational areas perfect for outdoor activities. Experience the warmth and charm of this delightful home, where every detail is designed for comfort and convenience.

Full Property Details for 45 W Water Street W

General

  • Price: $349,900
  • Taxes: $2,464 (2026)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDWA2038928
  • Updated: 7/30/2026
  • Added to Site: 1 day(s) ago

Interior

  • Rooms/Areas: Living Room, Dining Room, Bedroom 2, Bedroom 3, Kitchen, Bedroom 1, Bathroom 1, Bathroom 2
  • Interior Features: Dining Area, Floor Plan - Traditional, Window Treatments, Wood Floors
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Appliances: Dishwasher, Oven/Range - Electric, Range Hood, Refrigerator, Washer/Dryer Hookups Only

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Upper Floor Baths: 1
  • Upper - Full Baths: 1
  • Main Floor Baths: 1
  • Main - Full Baths: 1

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Upper: 2
  • Bedrooms Main & Up: 1

Exterior

  • Porch/Patio/Deck: Porch(es)

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Total Spaces: 1
  • Parking Type: Detached Garage, Off Street
  • Garage Description: Garage - Front Entry

Location

  • Municipality: SMITHSBURG
  • County: WASHINGTON
  • Subdivision: SMITHSBURG
  • Driving Directions: Rt 77 to S Main st. to left onto Water st. Home on the left.
  • Direction Faces: North
  • City Limits: Yes

School Information

  • School District: Washington County Public Schools

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Forced Air
  • Heating Fuel: Oil
  • Water Heater: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: Cable TV Available

Structural Information

  • Architectural Style: Cape Cod
  • Structure Type: Detached
  • Construction: Brick, Combination
  • Basement: Yes
  • Basement Desc.: Connecting Stairway, Walkout Stairs
  • Foundation: Block, Brick/Mortar
  • Roof: Asphalt
  • Walls/Ceilings: Dry Wall
  • Windows: Storm, Wood Frame
  • Doors: Storm
  • Stories Description: Main, Upper 1
  • Square Feet: 1,318
  • Sq. Ft. Source: Assessor
  • Living Area: 1,318 Sq. Ft.
  • Finished Above Grnd: 1,318 Sq. Ft.
  • Year Built: 1953
  • Year Built Source: Estimated
  • Property Condition: Very Good

Additional Structures

  • Other Structures: Shed

Lot Features

  • Lot Size (Acres): 0.4
  • Lot Size (Sq. Ft.): 8,749
  • Lot Size Source: Estimated
  • Lot Dimensions: LotWidth:60 x LotDepth:292
  • Zoning: U

Financial Considerations

  • Price Per Sq. Ft.: $265.48
  • Assessment Year: 2026
  • City/TownTax: $623
  • City/TownTax Freq: Annually
  • County Tax: $1,840
  • County Tax Freq: Annually
  • Tax w/Assessment: $232,467
  • Tax Amount: $2,464
  • Tax Year: 2026
  • Tax Total Finished Sq. Ft.: 1318

Disclosures and Reports

  • Ownership: Fee Simple
  • Lot Number: 1

Listed by Shank & Associates Realty Llc, Wes D Fream

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Listing agent

— 45 W Water Street W —

  • Wes D Fream

    Shank & Associates Realty Llc

Listing Office Email: shankhomesales@gmail.com

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 45 W Water Street W

School District:Washington County Public Schools, Williamsport, MD
NameGradesDistance
Smithsburg Elementary School
67 North Main Street, Smithsburg, MD 21783
PK-50.3 mi
Smithsburg Middle School
68 North Main Street, Smithsburg, MD 21783
6-80.7 mi
Smithsburg High School
66 North Main Street, Smithsburg, MD 21783
9-120.5 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 45 W Water Street W Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/30/2026
Listed
$349,900
191.58%
MLS
4/25/2014
Sold
$120,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 45 W Water Street W

Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,832
26%
$201,133
18%
2023
$1,456
—
$169,800
7%
2023
$1,456
7%
$159,100
7%
2022
$1,358
6%
$148,400
8%
2020
$1,285
—
$137,700
—
2021
$1,281
—
$137,567
—
2020
$1,285
—
$137,433
—
2019
$1,284
—
$137,300
—
2018
$1,284
—
$137,300
—
2017
$1,284
-4%
$137,300
-4%
2016
$1,335
—
$142,800
—
2015
$1,335
—
$142,800
—
2014
$1,335
—
$142,800
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 45 W Water Street W

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Shank & Associates Realty Llc, Wes D Fream

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45 W Water Street W, Smithsburg, MD 21783 (MLS# MDWA2038928) is a Single Family property with 3 bedrooms and 2 full bathrooms. 45 W Water Street W is currently listed for $349,900 and was received on July 30, 2026. Want to learn more about 45 W Water Street W? Do you have questions about finding other Single Family real estate for sale in Smithsburg? You can browse all Smithsburg real estate or contact a Coldwell Banker agent to request more information.

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