Washington County property record for 1020 Spruce St, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,232 sqft · built 1963 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $15,000 (Jun 1998) |
| Tax Bill | $1,497 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-005704 |
| Primary APN | 03-005704 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick |
| Roof Material | Metal |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Deck Area | 60 sqft |
| Patio Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 005704 |
|---|---|
| Street Address | 1020 SPRUCE ST |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-7217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMOD |
| Legal Description | LOTS 35/36/37 SEC 3 1020 SPRUCE ST 75X150 |
| Legal Subdivision | HAGERSTOWN MANUFACTURING MININ |
| Legal Lot Number | 35 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 3, HAGERSTOWN |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1001 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1020 SPRUCE ST, HAGERSTOWN, MD 21740-7217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 1998 · Amount on Record |
| Deed Sale | Jun 9, 1998 · Amount on Record |
| Deed Document Number | 19982397 |
| Deed Book / Page | 1416 / 798 |
| Last Transfer Date | Jul 14, 2011 |
| Transfer Doc | 0041220090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 1020 SPRUCE ST, HAGERSTOWN, MD 21740-7217 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1020 SPRUCE ST, HAGERSTOWN, MD 21740-7217 |
| Document Number | 0070790180 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 7079/180 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | FREDERICK, MD 21704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,497.00 (+5.72%) Homeowner's exemption | $192,367 (+12.56%) | $235,300 (+37.68%) Land $45,300 Building $190,000 |
| 2025 | $1,416.00 (+5.2%) Homeowner's exemption | $170,900 (+13.55%) Land $45,300 Building $125,600 | $170,900 (-) Land $45,300 Building $125,600 |
| 2024 | $1,346.00 (+4.75%) | ||
| 2023 | $1,285.00 Homeowner's exemption | $150,500 | $170,900 Land $45,300 Building $125,600 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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