12087 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12087 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Mobile Home
Details	1 ba · 752 sqft · built 1973
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,900 (Nov 2025)
Tax Bill	$951 (2026)
Deeds & Mortgages	Nov 2025 Sale Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-004495`

Property Details

APN / Parcel Number

Primary APN	`15-004495`
Alternative APN	`004495`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	752 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Mobile Home
Construction Type	Frame
Roof Material	Metal
Lot Area	74,923 sqft (1.72 acres)
Deck Area	98 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	004495
Street Address	12087 COVE RD
City	CLEAR SPRING
State	MD
Zip	21722-1617
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	EC
Legal Description	1.72 ACRES 12087 COVE ROAD
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	12087 COVE RD, CLEAR SPRING, MD 21722-1617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed, Transfer
Jun 30, 2023	Deed, Transfer
Jul 23, 2020	Deed, Transfer · Conventional Mortgage CNB BANK INC
Oct 31, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Book / Page	7795 / 20
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Nov 4, 2025
Property Address	12087 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0077950020
Book / Page	7795 / 20
Instrument Date	Oct 27, 2025
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
Tax	$684.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 30, 2023
Property Address	12087 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0072730356
Book / Page	7273 / 356
Instrument Date	Jun 12, 2023
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11650 DAM NUMBER 5 RD APT 1, 1, CLEAR SPRING, MD 21722-2042

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jul 23, 2020
Property Address	12087 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0063110444
Book / Page	6311 / 444
Instrument Date	Jul 23, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OLDE TOWN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	11650 DAM #51 # 51, 51, CLEAR SPRING, MD 21722

Mortgage

Document Number	0006311450
Date	Jul 23, 2020
Instrument	6311/450

Lender

Name	CNB BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2025
Change Frequency	5 Years
Min Rate At Change	5.74%
Max Rate At Change	7.74%
Index	5-Year CMT
Max Rate	11.7%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 31, 2019
Property Address	12087 COVE RD, CLEAR SPRING, MD 21722-1617
Document Number	0061020298
Book / Page	006102 / 000298
Instrument Date	Oct 18, 2019
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12109 COVE RD CLEAR SPRING MD 217221619, CLEAR SPRING, MD 21722-1619

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	$951.00 (+2.59%)	$86,100 (+2.79%) Land $72,200 Building $13,900	$86,100 (-) Land $72,200 Building $13,900
2025	$927.00 (+12.77%)	$83,767 (+5.9%)	$86,100 (+8.85%) Land $72,200 Building $13,900
2023	$822.00 (-6.48%)	$79,100 (+0.38%) Land $72,000 Building $7,100	$79,100 (-) Land $72,000 Building $7,100
2022	$879.00	$78,800	$79,100 Land $72,000 Building $7,100

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 64% of the US · above 73% 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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