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12500 Garrow Dr, Clear Spring, MD 21722 Property Records

Washington County property record for 12500 Garrow Dr, Clear Spring, MD 21722

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,007 sqft · built 2001
Lot Size1.45 acres (63,162 sqft)
Owner2 Individual Names on Record
Last Sale$439,000 (Aug 2020)
Tax Bill$6,704 (2026)
Deeds & MortgagesAug 2020 Sale & Mortgage
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN04-014758

Property Details

APN / Parcel Number

Primary APN04-014758
Alternative APN
  • 014758

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area3,007 sqft Total Area
Basement Area1,100 sqft
Finished Basement1,100 sqft

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area63,162 sqft (1.45 acres)
Garage TypeMixed
Garage Area299 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
Pool Area540 sqft
PorchSlab
Porch Area90 sqft
Deck Area448 sqft
Gazebo140 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number014758
Street Address12500 GARROW DR
CityCLEAR SPRING
StateMD
Zip21722-1722
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA(R)
Legal DescriptionLOT 18 1.45 ACRES 12500 GARROW DRIVE MEADOWS AT ST PAUL
Legal SubdivisionMEADOWS AT ST
Legal Lot Number18
JurisdictionWASHINGTON MD
Township / Civil Division4, CLEAR SPRING
Census Block Group1
Census Block1046
Census Tract10600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address12500 GARROW DR, CLEAR SPRING, MD 21722-1722
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 3, 2020Deed, Transfer · Conventional Mortgage
PROSPERITY HOME MORTGAGE LLC
Jun 10, 2020Deed of Trust, Mortgage
CNB BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2020 · Amount on Record
Deed SaleAug 3, 2020 · Amount on Record
Prior SaleMar 29, 1999 · Amount on Record
Deed Book / Page6319 / 488
Transfer Doc0024390366
Record UpdatedOct 29, 2026

August 2020: Deed, Transfer

Document TypeDeed
JurisdictionWASHINGTON MD
Recording DateAug 3, 2020
Property Address12500 GARROW DR, CLEAR SPRING, MD 21722-1722
Document Number0063190488
Book / Page6319 / 488
Map ReferenceFO 4684,5290&5291
Instrument DateJul 31, 2020
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyRGS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address670 MARYS WAY, 670, WALTON, NY 13856-3605

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address12500 GARROW DR, CLEAR SPRING, MD 21722-1722

Mortgage

Document Number0006319494
DateAug 3, 2020
Instrument6319/494
Lender
NamePROSPERITY HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2050

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWASHINGTON MD
Property Address12500 GARROW DR, CLEAR SPRING, MD 21722-1722
Document Number0063690007
Instrument DateJun 10, 2020
Transaction TypeMortgage
Record UpdatedNov 2, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address13911 PATRIOT WAY HAGERSTOWN MD 217402471, HAGERSTOWN, MD 21740-2471

Mortgage

Document Number0063690007
DateSep 22, 2020
Book Page006369/000007
Lender
NameCNB BK
TypeBank
AddressBERKELEY SPRINGS, WV 25411
Agreement
AmountAmount Recorded
Term360 Months
DueSep 21, 2050
Interest
Rate TypeAdjustable Rate
Rate4%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyWashington County
Unified School DistrictWashington County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,704.00 (+14.01%)$641,700 (+14.15%) Land $74,500 Building $567,200$641,700 (-) Land $74,500 Building $567,200
2025$5,880.00 (+16.3%)$562,133 (+39.49%)$641,700 (+59.23%) Land $74,500 Building $567,200
2024$5,056.00 (+20.64%)
2023$4,191.00$403,000 Land $74,500 Building $328,500$403,000 Land $74,500 Building $328,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2014)
Most Recent ClaimJun 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 45 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Antietam Cable
Fiber · Cable		2,300 / 2,300
Verizon
Fixed Wireless		300 / 20

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