Washington County property record for 12440 Saint Paul Rd, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,130 sqft · built 2007 |
| Lot Size | 1.8 acres (78,408 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $36,900 (Oct 2002) |
| Tax Bill | $4,173 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-014847 |
| Primary APN | 04-014847 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,130 sqft Total Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 78,408 sqft (1.8 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 149 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 014847 |
|---|---|
| Street Address | 12440 SAINT PAUL RD |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | LOT 9 1.80 ACRES 12440 ST PAUL RD MEADOWS AT ST PAUL |
| Legal Subdivision | MEADOWS AT ST |
| Legal Lot Number | 9 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 10600 |
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12440 SAINT PAUL RD, CLEAR SPRING, MD 21722-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2002 · Amount on Record |
| Deed Sale | Oct 25, 2002 · Amount on Record |
| Deed Document Number | 20023852 |
| Deed Book / Page | 1854 / 478 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12440 SAINT PAUL RD, CLEAR SPRING, MD 21722-1743 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0066860107 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 6686/107 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,173.00 (+13.8%) | $397,300 (+14.04%) Land $78,000 Building $319,300 | $397,300 (-) Land $78,000 Building $319,300 |
| 2025 | $3,667.00 (+40.71%) | $348,400 (+39.03%) | $397,300 (+58.54%) Land $78,000 Building $319,300 |
| 2023 | $2,606.00 | $250,600 Land $78,000 Building $172,600 | $250,600 Land $78,000 Building $172,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jun 2014 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Cable | 1,300 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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