12190 Cove Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12190 Cove Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,600 sqft · built 1950
Lot Size	3.89 acres (169,448 sqft)
Owner	2 Individual Names on File
Last Sale	$329,970 (Sep 2023)
Tax Bill	$2,681 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-005998`

Property Details

APN / Parcel Number

Primary APN	`15-005998`
Alternative APN	`005998`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,600 sqft Total Area
Basement Area	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	169,448 sqft (3.89 acres)
Garage Type	Mixed
Garage Area	676 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	256 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	512 sqft
Stable	512 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005998
Street Address	12190 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	3.89 ACRES S/S RT 40
Jurisdiction	WASHINGTON MD
Township / Civil Division	15, INDIAN SPRING
Census Block Group	3
Census Block	3019
Census Tract	10600

Owner

Source: Washington County records · APN 15-005998

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	12190 COVE RD, CLEAR SPRING, MD 21722-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Jun 02, 1993 · Amount on Record
Deed Book / Page	7325 / 99
Record Updated	Sep 20, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 25, 2023
Property Address	12190 COVE RD, CLEAR SPRING, MD 21722-1618
Document Number	0073250099
Book / Page	7325 / 99
Map Reference	LB 822 PG 799
Instrument Date	Sep 12, 2023
Transaction Type	Transfer
Record Updated	Oct 09, 2023
Title Company	NOT AVAILABLE, TRI ST SIGNATURE STLMTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$824.93
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	12190 COVE RD, CLEAR SPRING, MD 21722-1618

Mortgage

Document Number	0073250106
Date	Sep 25, 2023
Instrument	7325-0106

Lender

Name	ORRSTOWN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Max Rate	11.6%

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		$324,900 (+15.06%) Land $93,900 Building $231,000	$324,900 (-) Land $93,900 Building $231,000
2025	$2,681.00 (+30.72%) Homeowner's exemption	$282,367 (+43.12%)	$324,900 (+64.67%) Land $93,900 Building $231,000
2023	$2,051.00 Homeowner's exemption	$197,300 Land $93,900 Building $103,400	$197,300 Land $93,900 Building $103,400

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	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · other causes

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 40 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