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45 W Water Street W photo 1
for saleNew — 1d on market
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45 W Water Street W,Smithsburg, MD 21783
3
beds
2
baths
1,318
sqft
1953
built

Overview

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 upstai...

Listing updated: July 30, 2026 at 10:30 AM

Listed by:

Wes D Fream (301) 748-4221, Shank & Associates Realty Llc

Source: Bright MLS · MLS #MDWA2038928Bright MLS

Property details

Your cost estimate

Est. monthly payment

$2,156/mo
Principal & interest
$1,834
Property tax
$205
Home insurance (est.)
$117

Down payment

$69,98020% of list price
Adjust down payment20%
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Based on $69,980 down (20% of list price), 6.85% interest rate, 30-year fixed. Insurance is an estimate. Actual costs may vary.

Rates provided by Mable Loans.

Personalized Mortgage Summary

Price history

DateEventPrice
Jul 30, 2026Listed for sale$349,900

Location

45 W Water Street W, Smithsburg, MD 21783

Recently sold nearby

Similar homes sold within 0.5 miles in the last 90 days.

This home sale information is not to be construed as an appraisal and may not be used as such for any purpose. BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.

Nearby homes

$2,156/mo

Est. · $349,900 list

Bright MLS

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange (IDX) program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Samson Properties participates, and is provided by BRIGHT through a licensing agreement. © 2026 Bright MLS, All Rights Reserved. Information deemed reliable but not guaranteed. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale. Data last updated: 7/30/2026.