Washington County property record for 12523 Garrow Dr, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 6,016 sqft · built 2002 |
| Lot Size | 2.13 acres (92,783 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Nov 2023) |
| Tax Bill | $7,905 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-014812 |
| Primary APN | 04-014812 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,016 sqft Total Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 92,783 sqft (2.13 acres) |
| Garage Type | Attached |
| Garage Area | 1,350 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 720 sqft |
| Porch | Slab |
| Porch Area | 456 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 014812 |
|---|---|
| Street Address | 12523 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 12 2.13 ACRES 12523 GARROW DRIVE MEADOWS AT ST PAUL |
| Legal Subdivision | MEADOWS AT ST |
| Legal Lot Number | 12 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 12523 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on Record |
| Deed Sale | Nov 30, 2023 · Amount on Record |
| Prior Sale | Jan 4, 2016 · Amount on Record |
| Deed Book / Page | 7364 / 1 |
| Prior Transfer Date | Jul 14, 2014 |
| Prior Transfer Doc | 0048010191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Nov 30, 2023 |
| Property Address | 12523 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0073640001 |
| Book / Page | 7364 / 1 |
| Map Reference | FO 4684,5290&5291 |
| Instrument Date | Nov 30, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12523 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0073640007 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 7364-0007 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
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 | $7,905.00 (+15.55%) | $757,700 (+15.69%) Land $81,300 Building $676,400 | $757,700 (-) Land $81,300 Building $676,400 |
| 2025 | $6,841.00 (+46.36%) | $654,967 (+45.71%) | $757,700 (+68.57%) Land $81,300 Building $676,400 |
| 2023 | $4,674.00 | $449,500 Land $81,300 Building $368,200 | $449,500 Land $81,300 Building $368,200 |
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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