12100 Saint Paul Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12100 Saint Paul Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,408 sqft · built 1989
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jun 2007)
Tax Bill	$2,627 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-012356`

Property Details

APN / Parcel Number

Primary APN	`04-012356`
Alternative APN	`012356`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Total Area
Basement Area	978 sqft
Finished Basement	978 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Mixed
Garage Area	1,032 sqft
Parking Spaces	3 Parking Spaces
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	012356
Street Address	12100 SAINT PAUL RD
City	CLEAR SPRING
State	MD
Zip	21722-1950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOTS 3&3A 2.013 AC 12100 ST PAUL RD
Legal Subdivision	D TIMOTHY SEIBERT
Legal Lot Number	3
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	4
Census Block	4003
Census Tract	10600

Owner

12100 Saint Paul Rd is owned and occupied by two individuals who acquired it in July 2024.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1950
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2007 · Amount on File
Deed Sale	Jun 26, 2007 · Amount on File
Deed Document Number	2007216218
Deed Book / Page	3321 / 608
Last Transfer Date	Jul 10, 2024
Transfer Doc	0075270117
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1950
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067520050
Date	Sep 8, 2021
Book Page	6752/50

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1950
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070730041
Date	Aug 2, 2022
Book Page	7073/41

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 12100 Saint Paul Rd was $2,627 with a homeowner's exemption, up 5.4% from the year before.

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	$2,627.00 (+5.42%) Homeowner's exemption	$325,100 (+13.28%) Land $85,100 Building $240,000	$325,100 (-) Land $85,100 Building $240,000
2025	$2,492.00 (+5.46%) Homeowner's exemption	$287,000	$325,100 Land $85,100 Building $240,000
2024	$2,363.00 (+7.8%)
2023	$2,192.00 Homeowner's exemption	$210,800 Land $85,100 Building $125,700	$210,800 Land $85,100 Building $125,700

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

Flood

FEMA maps place 12100 Saint Paul Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1985.

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	3 in force
Nearby Flood Claims	4 (1985–2014)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 2014 · river or lake flooding

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

Wildfire risk around 12100 Saint Paul Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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