Washington County property record for 12409 Learning Ln, Hagerstown, MD 21740 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 822 sqft · built 1981 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Sep 2019) |
| Tax Bill | $1,897 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-012839 |
| Primary APN | 23-012839 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 822 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 40,075 sqft (0.92 acres) |
| Garage Type | Mixed |
| Garage Area | 1,816 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 012839 |
|---|---|
| Street Address | 12409 LEARNING LN |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 .92 ACRES 12409 LEARNING LANE |
| Legal Subdivision | CROSS CREEK |
| Legal Lot Number | 3 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 23, WILSONS |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 11700 |
Source: Washington County records · APN 23-012839
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 | 12409 LEARNING LN, HAGERSTOWN, MD 21740-2126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Sep 20, 2019 | Deed, Transfer · Conventional Mortgage UNION BANK & TRUST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on Record |
| Deed Sale | Sep 20, 2019 · Amount on Record |
| Prior Sale | Jun 14, 2007 · Amount on Record |
| Deed Book / Page | 6071 / 34 |
| Transfer Doc | 0019450340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12409 LEARNING LN, HAGERSTOWN, MD 21740-2126 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0065340442 |
|---|---|
| Date | Mar 01, 2021 |
| Book Page | 6534/442 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Address | RESTON, VA 20191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Sep 20, 2019 |
| Property Address | 12409 LEARNING LN, HAGERSTOWN, MD 21740-2126 |
| Document Number | 0060710034 |
| Book / Page | 6071 / 0034 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | TRI ST SIGNATURE SETMNT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12409 LEARNING LN, HAGERSTOWN, MD 21740-2126 |
| Document Number | 0000607141 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | 6071/41 |
| Name | UNION BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
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 | $308,200 (+8.14%) Land $54,000 Building $254,200 | $308,200 (-) Land $54,000 Building $254,200 | |
| 2025 | $1,897.00 (+5.45%) Homeowner's exemption | $285,000 (+19.45%) | $308,200 (+29.17%) Land $54,000 Building $254,200 |
| 2024 | $1,799.00 (+8.83%) | ||
| 2023 | $1,653.00 Homeowner's exemption | $238,600 Land $54,000 Building $184,600 | $238,600 Land $54,000 Building $184,600 |
Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240430117003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 9 individual NFIP policies nearby |
| Nearby Flood Policies | 9 in force 3 of 9 on primary residences |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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