12901 Lance Cir, Hagerstown, MD 21742 Property Records

Washington County property record for 12901 Lance Cir, Hagerstown, MD 21742

Property Summary

Property Type	Single Family Home
Details	5 ba · 7,290 sqft · built 2007
Lot Size	1.03 acres (44,866 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Dec 2023)
Tax Bill	$12,102 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-029558`

Property Details

APN / Parcel Number

Primary APN	`27-029558`
Alternative APN	`029558`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	7,290 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stone
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	44,866 sqft (1.03 acres)
Garage Type	Mixed
Garage Area	1,095 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	155 sqft
Deck Area	171 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	029558
Street Address	12901 LANCE CIR
City	HAGERSTOWN
State	MD
Zip	21742-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	LOT 8 SEC C 1.03 AC 12901 LANCE CIRCLE TERRACE HILLS
Legal Subdivision	TERRACE HILLS
Legal Lot Number	8
Jurisdiction	WASHINGTON MD
Township / Civil Division	27, FOUNTAIN HEAD
Census Block Group	2
Census Block	2031
Census Tract	10300

Owner

12901 Lance Cir is owned and occupied by two individuals who bought it in December 2023.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Dec 5, 2023	Deed, Transfer OLDE STONE TITLE, OLDE TOWNE TITLE INC
Aug 1, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on File
Deed Sale	Dec 5, 2023 · Amount on File
Prior Sale	Jun 13, 2005 · Amount on File
Deed Book / Page	7365 / 490
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0070720306
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910

Mortgage

Document Number	0073850193
Date	Jan 8, 2024
Book Page	7385/193

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	HAGERSTOWN, MD 21740

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Dec 5, 2023
Property Address	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910
Document Number	0073650490
Book / Page	7365 / 490
Instrument Date	Dec 4, 2023
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	OLDE STONE TITLE, OLDE TOWNE TITLE INC

Transaction

Amount	Amount on Record
Tax	$3,600.00
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	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Aug 1, 2022
Property Address	12901 LANCE CIR, HAGERSTOWN, MD 21742-2910
Document Number	0070720306
Book / Page	7072 / 306
Map Reference	FO 4990
Instrument Date	Jul 21, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4534 GILBERTSON RD, FAIRFAX, VA 22032-3614

Tax Assessment & Valuation

The 2026 property tax bill for 12901 Lance Cir was $12,102, up 11.2% from the year before.

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	$12,102.00 (+11.23%)	$1,168,833 (+11.23%)	$1,286,800 (-) Land $102,400 Building $1,184,400
2025	$10,880.00 (+12.65%)	$1,050,867	$1,286,800 Land $102,400 Building $1,184,400
2024	$9,658.00 (-5.98%)
2023	$10,272.00	$987,767	$1,001,000 Land $102,400 Building $898,600

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

Flood

FEMA maps place 12901 Lance Cir in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	10 (1979–2023)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Aug 2023 · 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.

Wildfire

Wildfire risk around 12901 Lance Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber	2,000 / 2,000
Point Broadband Fiber	1,000 / 1,000

May also be available: Verizon.

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