Washington County property record for 12424 Gemstone Dr, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,642 sqft · built 2019 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $303,024 (Jun 2019) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-041488 |
| Primary APN | 25-041488 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,642 sqft Total Area |
| Basement Area | 1,231 sqft |
| Finished Basement | 1,231 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 041488 |
|---|---|
| Street Address | 12424 GEMSTONE DR |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 307 BLK B2 12424 GEMSTONE DR HAGERS CROSSING PHASE II |
| Legal Subdivision | HAGERS CROSSINGS |
| Legal Phase | 2 |
| Legal Block | B2 |
| Legal Lot Number | 307 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 25, HAGERSTOWN |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 10402 |
12424 Gemstone Dr is owned and occupied by two individuals who bought it in June 2019.
Source: Washington County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| 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 |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Mar 26, 2021 | Deed of Trust, Mortgage · VA Mortgage COMMERCE HOME MORTGAGE LLC |
| Mar 7, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jun 24, 2019 | Deed, Subdivision Related Transfer · VA Mortgage HOME AMERICAN MORTGAGE CORP |
| Dec 28, 2018 | Grant Deed, Transfer STEWART TITLE, STEWART TITLE/MD INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on File |
| Deed Sale | Jun 24, 2019 · Amount on File |
| Prior Sale | Dec 28, 2018 · Amount on File |
| Deed Book / Page | 6004 / 152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Document Number | 0078100240 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 7810/240 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | NOT AVAILABLE, SPRUCE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0065620202 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 6562/202 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Document Number | 0072050222 |
|---|---|
| Date | Mar 7, 2023 |
| Book Page | 7205/222 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 24, 2019 |
| Property Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Document Number | 0060040152 |
| Book / Page | 6004 / 0152 |
| Map Reference | MB 8920 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 3, 2022 |
| Title Company | STEWART TITLE & ESCROW INC |
| Amount | Amount 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 by the Entirety |
| Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Document Number | 0006004158 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 6004/158 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Dec 28, 2018 |
| Property Address | 12424 GEMSTONE DR, HAGERSTOWN, MD 21740-1059 |
| Document Number | 0058960152 |
| Book / Page | 005896 / 000152 |
| Instrument Date | Dec 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE/MD INC |
| Amount | Amount on Record |
|---|---|
| Tax | $50.00 |
| 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 |
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 | $372,000 | $479,600 Land $58,300 Building $421,300 | |
| 2023 | Disabled Person's exemption Veteran's exemption | $264,000 | $318,200 Land $58,300 Building $259,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12424 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 12424 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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