12019 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12019 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,533 sqft · built 1997
Lot Size	3.06 acres (133,294 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Oct 2018)
Tax Bill	$667 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-010606`

Property Details

APN / Parcel Number

Primary APN	`15-010606`
Alternative APN	`010606`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,533 sqft Total Area
Basement Area	1,206 sqft
Finished Basement	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	133,294 sqft (3.06 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	414 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	010606
Street Address	12019 COVE RD
City	CLEAR SPRING
State	MD
Zip	21722-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC
Legal Description	LOT 4 3.069 ACRES 12019 COVE ROAD
Legal Subdivision	KENNETH LANG
Legal Lot Number	4
Jurisdiction	WASHINGTON MD
Township / Civil Division	15, INDIAN SPRING
Census Block Group	1
Census Block	1071
Census Tract	10600

Owner

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	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit DIRECT MORTGAGE LOANS LLC
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit DIRECT MORTGAGE LOANS LLC
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC
Aug 14, 2020	Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC
May 13, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 25, 2018	Deed, Transfer · VA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	Jun 26, 1995 · Amount on Record
Deed Book / Page	5859 / 295
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	0078850463
Date	Mar 24, 2026
Book Page	7885/463

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071800482
Date	Jan 20, 2023
Book Page	7180/482

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	COMMUNITY STLMTS & ESCROW LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	0071380151
Date	Nov 2, 2022
Book Page	7138/151

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	OLD TITLE & ESCORW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060580134
Date	Sep 4, 2019
Book Page	6058/0134

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063320047
Date	Aug 14, 2020
Book Page	6332/47

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066210232
Date	May 13, 2021
Book Page	6621/232

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Nov 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 25, 2018
Property Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0058590295
Book / Page	5859 / 0295
Map Reference	FO3399
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	IN HOUSE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12019 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	0005859303
Date	Oct 25, 2018
Instrument	5859/303

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$667.00 (+8.99%) Homeowner's exemption	$602,900 (+11.59%) Land $85,600 Building $517,300	$602,900 (-) Land $85,600 Building $517,300
2025	$612.00 (-65.85%) Homeowner's exemption	$540,267 (+30.18%)	$602,900 (+45.28%) Land $85,600 Building $517,300
2024	$1,792.00 (-52.14%)
2023	$3,744.00 Homeowner's exemption	$415,000 Land $85,600 Building $329,400	$415,000 Land $85,600 Building $329,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	6 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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