12522 Garrow Dr, Clear Spring, MD 21722 Property Records

Washington County property record for 12522 Garrow Dr, Clear Spring, MD 21722 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 2003
Square Footage	1,980 sqft Total Area
Lot Size	60,984 sqft (1.4 acres)
Garage	Mixed, 1,824 sqft
Occupancy	Owner Occupied
Last Sale	$37,000 (2002)
Tax Bill	$3,753.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`04-014731`
Alternative APN	`014731`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,980 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Exterior
Roof Material	Composition Shingle Roof
Lot Area	60,984 sqft (1.4 acres)
Parking Spaces	6 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,824 sqft Garage
Porch Area	500 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	014731
Street Address	12522 GARROW DR
City	CLEAR SPRING
State	MD
Zip	21722-1722
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 23 1.40 ACRES 12522 GARROW DRIVE MEADOWS AT ST PAUL
Legal Subdivision	MEADOWS AT ST
Legal Lot Number	23
Jurisdiction	WASHINGTON MD
Minor Civil Division	4, CLEAR SPRING
Census Blockgroup	1
Census Block	1046
Census Tract	10600

Owner

Source: Washington County records · APN 04-014731

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	12522 GARROW DR, CLEAR SPRING, MD 21722-1722
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 07, 2002 · Amount on Record
Deed Sale	Nov 07, 2002 · Amount on Record
Deed Doc Number	20024027
Deed Book / Page	1861 / 339
Record Refreshed	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12522 GARROW DR, CLEAR SPRING, MD 21722-1722
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056860486
Date	Feb 08, 2018
Book Page	5686/0486
Instrument	5686-0486

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$450,800 (+10.27%) Land $74,000 Building $376,800	$450,800 (-) Land $74,000 Building $376,800
2025	$3,753.00 (+12.77%) Homeowner's exemption	$408,800 (+25.86%)	$450,800 (+38.79%) Land $74,000 Building $376,800
2023	$3,328.00 Homeowner's exemption	$324,800 Land $74,000 Building $250,800	$324,800 Land $74,000 Building $250,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (24043C), updated August 14, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.