Washington County property record for 12535 Garrow Dr, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,994 sqft · built 1900 |
| Lot Size | 4.67 acres (203,425 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $327,000 (Oct 2022) |
| Tax Bill | $3,426 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-017544 |
| Primary APN | 04-017544 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,994 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Other |
| Roof Material | Metal |
| Lot Area | 203,425 sqft (4.67 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 622 sqft |
| Deck Area | 102 sqft |
| Patio Area | 102 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 017544 |
|---|---|
| Street Address | 12535 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 27 4.67 ACRES 12535 GARROW DRIVE S/S NATIONAL PIKE |
| Legal Subdivision | MEADOWS ST PAUL |
| Legal Lot Number | 27 |
| 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 | 12535 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage NFM LENDING |
| Oct 6, 2022 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on Record |
| Deed Sale | Oct 6, 2022 · Amount on Record |
| Prior Sale | Oct 29, 2003 · Amount on Record |
| Deed Book / Page | 7119 / 388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 29, 2026 |
| Property Address | 12535 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 7959000130 |
| Book / Page | 7959 / 130 |
| Instrument Date | Jun 23, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 12535 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 7959000130, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 7959/130 |
| Name | NFM LENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Oct 6, 2022 |
| Property Address | 12535 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0071190388 |
| Book / Page | 7119 / 388 |
| Map Reference | MB 8446 |
| Instrument Date | Sep 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,635.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12535 GARROW DR, CLEAR SPRING, MD 21722-1708 |
| Document Number | 0071190392 |
|---|---|
| Date | Oct 6, 2022 |
| Instrument | 7119-0392 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
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 | $3,426.00 (+15.43%) Homeowner's exemption | $325,100 (+15.74%) Land $111,700 Building $213,400 | $325,100 (-) Land $111,700 Building $213,400 |
| 2025 | $2,968.00 (+48.25%) Homeowner's exemption | $280,900 (+45.92%) | $325,100 (+68.88%) Land $111,700 Building $213,400 |
| 2023 | $2,002.00 | $192,500 Land $111,700 Building $80,800 | $192,500 Land $111,700 Building $80,800 |
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 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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