12809 Saint Paul Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 12809 Saint Paul Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,240 sqft · built 1974
Lot Size	5.13 acres (223,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2022)
Tax Bill	$3,840 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-007398`

Property Details

APN / Parcel Number

Primary APN	`23-007398`
Alternative APN	`007398`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Total Area
Utility Area	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	223,463 sqft (5.13 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	800 sqft
Porch	Slab
Porch Area	192 sqft
Patio Area	84 sqft
Shed	1 Shed
Shed Area	910 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007398
Street Address	12809 SAINT PAUL RD
City	CLEAR SPRING
State	MD
Zip	21722-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOT 5.13 ACRES 12809 ST PAUL RD
Jurisdiction	WASHINGTON MD
Township / Civil Division	23, WILSONS
Census Block Group	1
Census Block	1026
Census Tract	11700

Owner

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	12809 SAINT PAUL RD, CLEAR SPRING, MD 21722-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE LLC
Aug 10, 2022	Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	May 20, 1986 · Amount on Record
Deed Book / Page	7080 / 396
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12809 SAINT PAUL RD, CLEAR SPRING, MD 21722-1412
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	EXPRESS TITLE AND ESCROW LLC, EMPRESS TITLE AND ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 SAINT PAUL RD, CLEAR SPRING, MD 21722-1412

Mortgage

Document Number	0078130076
Date	Dec 1, 2025
Book Page	7813/76

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company
Address	MOUNT AIRY, MD 21771

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Aug 10, 2022
Property Address	12809 SAINT PAUL RD, CLEAR SPRING, MD 21722-1412
Document Number	0070800396
Book / Page	7080 / 396
Instrument Date	Jul 28, 2022
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	STERLING SETTLEMENT SERVICES, STERLING STLMT SVCS OF HAGER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12809 SAINT PAUL RD, CLEAR SPRING, MD 21722-1412

Mortgage

Document Number	0070800402
Date	Aug 10, 2022
Instrument	7080-0402

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 6, 2026

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	$3,840.00 (+4.8%) Homeowner's exemption	$418,600 (+10.11%) Land $105,600 Building $313,000	$418,600 (-) Land $105,600 Building $313,000
2025	$3,664.00 (+16.17%) Homeowner's exemption	$380,167 (+25.34%)	$418,600 (+38.02%) Land $105,600 Building $313,000
2023	$3,154.00	$303,300 Land $95,600 Building $207,700	$303,300 Land $95,600 Building $207,700

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	1 in force

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 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable · Fiber in parts of the area	1,300 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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