12164 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12164 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,279 sqft · built 2008
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2021)
Tax Bill	$3,096 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-004541`

Property Details

APN / Parcel Number

Primary APN	`15-004541`
Alternative APN	`004541`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,279 sqft Total Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	49,223 sqft (1.13 acres)
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	004541
Street Address	12164 COVE RD
City	CLEAR SPRING
State	MD
Zip	21722-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC
Legal Description	PARCEL 2 1.13 ACRES 12164 COVE ROAD
Legal Subdivision	MATTHEW GLADHILL
Legal Lot Number	2
Jurisdiction	WASHINGTON MD
Township / Civil Division	15, INDIAN SPRING
Census Block Group	3
Census Block	3019
Census Tract	10600

Owner

Source: Washington County assessment roll, as of August 4, 2025

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	12164 COVE RD, CLEAR SPRING, MD 21722-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Aug 8, 2018	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Aug 8, 2018 · Amount on Record
Deed Book / Page	6737 / 412
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 25, 2021
Property Address	12164 COVE RD, CLEAR SPRING, MD 21722-1618
Document Number	0067370412
Book / Page	6737 / 412
Map Reference	PL 9314
Instrument Date	Aug 18, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	STERLING SETTLEMENT SERVICES, STERLING STLMT SVCS OF HAGER

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
Relationship	Tenants by the Entirety
Address	12164 COVE RD, CLEAR SPRING, MD 21722-1618

Mortgage

Document Number	0006737418
Date	Aug 25, 2021
Instrument	6737/418

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 8, 2018
Property Address	12164 COVE RD, CLEAR SPRING, MD 21722-1618
Document Number	0058090272
Book / Page	5809 / 0272
Map Reference	PL9314
Instrument Date	Jul 25, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12164 COVE RD, CLEAR SPRING, MD 21722-1618

Mortgage

Document Number	0005809278
Date	Aug 8, 2018
Instrument	5809/278

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$326,100 (+11.2%) Land $66,300 Building $259,800	$326,100 (-) Land $66,300 Building $259,800
2025	$3,096.00 (+30.8%)	$293,267 (+28.85%)	$326,100 (+43.28%) Land $66,300 Building $259,800
2023	$2,367.00	$227,600 Land $66,300 Building $161,300	$227,600 Land $66,300 Building $161,300

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	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · 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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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