12057 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12057 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,808 sqft · built 1993
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Sep 2021)
Tax Bill	$4,156 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-010789`

Property Details

APN / Parcel Number

Primary APN	`15-010789`
Alternative APN	`010789`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,808 sqft Total Area
1st Floor Area	192 sqft
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Metal
Lot Area	117,176 sqft (2.69 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Deck Area	488 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	010789
Street Address	12057 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 5 2.69 ACRES 12057 COVE ROAD
Legal Subdivision	LANG KENNETH C
Legal Lot Number	5
Jurisdiction	WASHINGTON MD
Township / Civil Division	15, INDIAN SPRING
Census Block Group	1
Census Block	1071
Census Tract	10600

Owner

Source: Washington County records · APN 15-010789

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	12057 COVE RD, CLEAR SPRING, MD 21722-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Sep 28, 2021	Deed, Transfer · FHA Mortgage VICTORIAN FINANCE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Book / Page	6773 / 211
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12057 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	May 01, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12057 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	0072270010
Date	Apr 13, 2023
Book Page	7227/10

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Oct 01, 2051

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 28, 2021
Property Address	12057 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0067730211
Book / Page	6773 / 211
Map Reference	FO 10138
Instrument Date	Sep 10, 2021
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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

Mortgage

Document Number	0006773218
Date	Sep 28, 2021
Instrument	6773/218

Lender

Name	VICTORIAN FINANCE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$446,200 (+12.8%) Land $81,900 Building $364,300	$446,200 (-) Land $81,900 Building $364,300
2025	$4,156.00 (+35.82%)	$395,567 (+34.41%)	$446,200 (+51.61%) Land $81,900 Building $364,300
2023	$3,060.00	$294,300 Land $81,900 Building $212,400	$294,300 Land $81,900 Building $212,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 14, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 13 locations within half a mile of this property.

Nearby Properties on Cove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures