Washington County property record for 12415 Gemstone Dr, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,661 sqft · built 2020 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $352,633 (Apr 2020) |
| Tax Bill | $3,988 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-041569 |
| Primary APN | 25-041569 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,661 sqft Total Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 041569 |
|---|---|
| Street Address | 12415 GEMSTONE DR |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 377 BLK B2 .2 12415 GEMSTONE DRIVE HAGERS CROSSING PHASE II |
| Legal Subdivision | PHASE 1 HAGERS CROSSING |
| Legal Phase | 2 |
| Legal Block | B2 |
| Legal Lot Number | 377 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 25, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 10402 |
12415 Gemstone Dr is owned and occupied by an individual who bought it in April 2020.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12415 GEMSTONE DR, HAGERSTOWN, MD 21740-1086 |
| 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.
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Apr 7, 2020 | Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Feb 14, 2019 | Grant Deed, Transfer STEWART TITLE, STEWART TITLE/MD INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on File |
| Deed Sale | Apr 7, 2020 · Amount on File |
| Deed Book / Page | 6221 / 427 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12415 GEMSTONE DR, HAGERSTOWN, MD 21740-1086 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0065400074 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 6540/74 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Apr 7, 2020 |
| Property Address | 12415 GEMSTONE DR, HAGERSTOWN, MD 21740-1086 |
| Document Number | 0062210427 |
| Book / Page | 6221 / 427 |
| Map Reference | PL 8920 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 3, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12415 GEMSTONE DR, HAGERSTOWN, MD 21740-1086 |
| Document Number | 0006221432 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 6221/432 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Feb 14, 2019 |
| Property Address | 12415 GEMSTONE DR, HAGERSTOWN, MD 21740-1086 |
| Document Number | 0059190075 |
| Book / Page | 005919 / 000075 |
| Instrument Date | Feb 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE/MD INC |
| Amount | Amount on Record |
|---|---|
| Tax | $633.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6250 OLD DOBBIN LN #160 COLUMBIA MD 210454758, 160, COLUMBIA, MD 21045-4758 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 12415 Gemstone Dr was $3,988, up 5.4% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,988.00 (+5.39%) | $437,767 (+5.38%) | $482,500 (+16.15%) Land $58,600 Building $423,900 |
| 2025 | $3,784.00 | $415,400 Land $58,600 Building $356,800 | $415,400 Land $58,600 Building $356,800 |
| 2023 | $3,212.00 | $351,067 | $415,400 Land $58,600 Building $356,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12415 Gemstone Dr in Zone X, an area of minimal flood risk.
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 |
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 risk around 12415 Gemstone Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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