12071 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12071 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1990
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,000 (Mar 1989)
Tax Bill	$2,038 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-009780`

Property Details

APN / Parcel Number

Primary APN	`15-009780`
Alternative APN	`009780`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	360 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	009780
Street Address	12071 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 1 3.00 AC 12071 COVE ROAD CLEAR SPRING
Legal Subdivision	CLEAR SPRING
Legal Lot Number	1
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	12071 COVE RD, CLEAR SPRING, MD 21722-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage CNB BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 1989 · Amount on Record
Deed Sale	Mar 13, 1989 · Amount on Record
Deed Book / Page	907 / 745
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	May 26, 2026
Property Address	12071 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0079330014
Book / Page	7933 / 14
Instrument Date	Apr 25, 2026
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12071 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	7933000014,
Date	May 26, 2026
Book Page	7933/14

Lender

Name	BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	May 20, 2026
Property Address	12071 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	7933000014
Book / Page	7933 / 14
Instrument Date	Apr 25, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12071 COVE RD, CLEAR SPRING, MD 21722-1617

Mortgage

Document Number	7933000014,
Date	May 20, 2026
Book Page	7933/14

Lender

Name	ACNB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12071 COVE RD, CLEAR SPRING, MD 21722-1617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054920067
Date	Apr 28, 2017
Book Page	5492/0067
Instrument	5492-0067

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2027

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	$2,038.00 (+5.43%) Homeowner's exemption	$260,100 (+14.31%) Land $85,000 Building $175,100	$260,100 (-) Land $85,000 Building $175,100
2025	$1,933.00 (+14.51%) Homeowner's exemption	$227,533 (+40.11%)	$260,100 (+60.16%) Land $85,000 Building $175,100
2023	$1,688.00 Homeowner's exemption	$162,400 Land $85,000 Building $77,400	$162,400 Land $85,000 Building $77,400

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	Moderate above 40% of the US · above 80% 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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