Washington County property record for 12503 Garrow Dr, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,976 sqft · built 1999 |
| Lot Size | 2.49 acres (108,464 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (Nov 1997) |
| Tax Bill | $4,092 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-014766 |
| Primary APN | 04-014766 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,976 sqft Total Area |
| Basement Area | 814 sqft |
| Finished Basement | 814 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 108,464 sqft (2.49 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 136 sqft |
| Deck Area | 400 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 014766 |
|---|---|
| Street Address | 12503 GARROW DR |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A(R) |
| Legal Description | LOT 17 2.49 ACRES 12503 GARROW DRIVE MEADOWS AT ST PAUL |
| Legal Subdivision | MEADOWS AT ST |
| Legal Lot Number | 17 |
| 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 August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12503 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Apr 3, 2017 | Deed of Trust, Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 1997 · Amount on Record |
| Deed Sale | Nov 14, 1997 · Amount on Record |
| Deed Document Number | 1997431 |
| Deed Book / Page | 1371 / 503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12503 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | SWAN TITLE CORPORATION, SWAN TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0065680398 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 6568/398 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12503 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054740001 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 5474/0001 |
| Instrument | 5474-0001 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Amount | Amount Recorded |
|---|
Source: Washington County assessment roll, as of August 4, 2025
| 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 | $560,900 (+14.37%) Land $84,900 Building $476,000 | $560,900 (-) Land $84,900 Building $476,000 | |
| 2025 | $4,092.00 (+12.6%) Homeowner's exemption | $490,433 (+40.32%) | $560,900 (+60.49%) Land $84,900 Building $476,000 |
| 2023 | $3,634.00 Homeowner's exemption | $349,500 Land $84,900 Building $264,600 | $349,500 Land $84,900 Building $264,600 |
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 94% of the US · lower than 89% 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 45 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 |
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