12505 Garrow Dr, Clear Spring, MD 21722 Property Records

Washington County property record for 12505 Garrow Dr, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,355 sqft · built 2004
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Apr 2020)
Tax Bill	$4,113 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-014774`

Property Details

APN / Parcel Number

Primary APN	`04-014774`
Alternative APN	`014774`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,355 sqft Total Area
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	68,389 sqft (1.57 acres)
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	92 sqft
Deck Area	369 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	014774
Street Address	12505 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 16 1.57 ACRES 12505 GARROW DRIVE MEADOWS AT ST PAUL
Legal Subdivision	MEADOWS AT ST
Legal Lot Number	16
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1046
Census Tract	10600

Owner

Source: Washington County assessment roll, as of August 4, 2025

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 File
Mailing Address	12505 GARROW DR, CLEAR SPRING, MD 21722-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2020 · Amount on Record
Deed Sale	Apr 29, 2020 · Amount on Record
Prior Sale	Apr 26, 2005 · Amount on Record
Deed Book / Page	6237 / 23
Record Updated	Sep 20, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Apr 29, 2020
Property Address	12505 GARROW DR, CLEAR SPRING, MD 21722-1708
Document Number	0062370023
Book / Page	006237 / 000023
Instrument Date	Apr 28, 2020
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	OLDE TOWNE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12505 GARROW DR BIG SPRING MD 217221708, BIG SPRING, MD 21722-1708

Mortgage

Document Number	62370030
Date	Apr 29, 2020
Book Page	006237/000030

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$524,700 (+10.29%) Land $75,700 Building $449,000	$524,700 (-) Land $75,700 Building $449,000
2025	$4,113.00 (+12.65%) Homeowner's exemption	$475,733 (+25.92%)	$524,700 (+38.88%) Land $75,700 Building $449,000
2023	$3,651.00 Homeowner's exemption	$377,800 Land $75,700 Building $302,100	$377,800 Land $75,700 Building $302,100

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 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

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Schurz Communications Fiber · Cable	2,300 / 2,300
Verizon Fixed Wireless	300 / 20