12442 Saint Paul Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12442 Saint Paul Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,873 sqft · built 2005
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on File
Last Sale	$449,900 (Dec 2020)
Tax Bill	$6,475 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-014855`

Property Details

APN / Parcel Number

Primary APN	`04-014855`
Alternative APN	`014855`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,873 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	86,684 sqft (1.99 acres)
Garage Type	Built-in
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	650 sqft
Shed	1 Shed
Shed Area	744 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	014855
Street Address	12442 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 8 1.99 ACRES 12442 ST PAUL RD MEADOWS AT ST PAUL
Legal Subdivision	MEADOWS AT ST
Legal Lot Number	8
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1046
Census Tract	10600

Owner

12442 Saint Paul Rd is owned and occupied by two individuals who bought it in December 2020.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12442 SAINT PAUL RD, CLEAR SPRING, MD 21722-1743
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on File
Deed Sale	Dec 7, 2020 · Amount on File
Prior Sale	Apr 19, 2004 · Amount on File
Deed Book / Page	6446 / 409
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Dec 7, 2020
Property Address	12442 SAINT PAUL RD, CLEAR SPRING, MD 21722-1743
Document Number	0064460409
Book / Page	6446 / 409
Map Reference	PL 4683-4687
Instrument Date	Dec 7, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	OLDE TOWNE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	12442 SAINT PAUL RD, CLEAR SPRING, MD 21722-1743

Mortgage

Document Number	0064460416
Date	Dec 7, 2020
Book Page	6446/416

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 12442 Saint Paul Rd was $6,475, up 13.8% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,475.00 (+13.8%)	$619,600 (+13.94%) Land $79,900 Building $539,700	$619,600 (-) Land $79,900 Building $539,700
2025	$5,690.00	$543,800	$619,600 Land $79,900 Building $539,700
2023	$4,078.00	$392,200 Land $79,900 Building $312,300	$392,200 Land $79,900 Building $312,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12442 Saint Paul Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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.

Wildfire

Wildfire risk around 12442 Saint Paul Rd is low, with a 0.02% annual chance of wildfire.

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.

Internet Providers

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