Washington County property record for 12513 Garrow Dr, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,082 sqft · built 2003 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,900 (Aug 2002) |
| Tax Bill | $3,800 (2026) |
| Deeds & Mortgages | Sep 2017 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-014790 |
| Primary APN | 04-014790 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,082 sqft Total Area |
| Utility Area | 288 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 66,211 sqft (1.52 acres) |
| Garage Type | Mixed |
| Garage Area | 1,360 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 264 sqft |
| Deck Area | 588 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 014790 |
|---|---|
| Street Address | 12513 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 14 1.52 ACRES 12513 GARROW DRIVE MEADOWS AT ST PAUL |
| Legal Subdivision | MEADOWS AT ST |
| Legal Lot Number | 14 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12513 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2017 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS AND TRADERS TRUST CO |
| Apr 29, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Sep 20, 2019 | Loan Modification, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2002 · Amount on Record |
| Deed Sale | Aug 28, 2002 · Amount on Record |
| Prior Sale | Jan 8, 2001 · Amount on Record |
| Deed Document Number | 20023102 |
| Deed Book / Page | 1821 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12513 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0055870477 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 5587/0477 |
| Instrument | 5587-0477 |
| Name | MANUFACTURERS AND TRADERS TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12513 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0066050272 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 6605/272 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 167 Months |
| Due | Mar 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 12513 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0060840182 |
| Instrument Date | Sep 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | RGS TITLE |
| Name | Verified Name |
|---|---|
| Address | 12513 GARROW DR CLEAR SPRING MD 217221708, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0060840182 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 006084/000182 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,800.00 (+5.5%) Homeowner's exemption | $429,500 (+9.82%) Land $75,200 Building $354,300 | $429,500 (-) Land $75,200 Building $354,300 |
| 2025 | $3,602.00 (+12.84%) Homeowner's exemption | $391,100 (+24.44%) | $429,500 (+36.65%) Land $75,200 Building $354,300 |
| 2023 | $3,192.00 Homeowner's exemption | $314,300 Land $75,200 Building $239,100 | $314,300 Land $75,200 Building $239,100 |
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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