12029 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12029 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,232 sqft · built 1977
Lot Size	3.38 acres (147,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jul 2021)
Tax Bill	$3,122 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-005106`

Property Details

APN / Parcel Number

Primary APN	`15-005106`
Alternative APN	`005106`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,232 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	147,233 sqft (3.38 acres)
Lot Dimensions	493 ft deep x 250 ft wide
Porch	Slab
Porch Area	496 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005106
Street Address	12029 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	LT 250X493 3.38 AC 12029 COVE RD CLEAR SPRING
Legal Subdivision	CLEAR SPRING
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 29, 2022	Intrafamily Transfer, Transfer
Jul 2, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Mar 26, 1982 · Amount on Record
Deed Book / Page	6684 / 470
Last Transfer Date	Dec 19, 2022
Transfer Doc	0071700074
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	0073260218
Date	Sep 26, 2023
Book Page	7326/218

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Dec 29, 2022
Property Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0071700074
Book / Page	7170 / 74
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jul 2, 2021
Property Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0066840470
Book / Page	6684 / 470
Instrument Date	Jul 1, 2021
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12029 COVE RD, CLEAR SPRING, MD 21722-1617

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	$3,122.00 (+15.2%)	$295,700 (+15.52%) Land $88,800 Building $206,900	$295,700 (-) Land $88,800 Building $206,900
2025	$2,710.00 (+17.93%)	$255,967 (+45.02%)	$295,700 (+67.54%) Land $88,800 Building $206,900
2024	$2,298.00 (+25.23%)
2023	$1,835.00	$176,500 Land $88,800 Building $87,700	$176,500 Land $88,800 Building $87,700

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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