13100 Saint Paul Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 13100 Saint Paul Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,061 sqft · built 2007
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$673,000 (May 2026)
Tax Bill	$7,466 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-018222`

Property Details

APN / Parcel Number

Primary APN	`04-018222`
Alternative APN	`018222`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,061 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	850 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	018222
Street Address	13100 SAINT PAUL RD
City	CLEAR SPRING
State	MD
Zip	21722-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOT 4 2 ACRES 13100 ST PAUL ROAD ST PAUL ESTATES
Legal Subdivision	PAUL ESTATES
Legal Lot Number	4
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1036
Census Tract	10600

Owner

13100 Saint Paul Rd is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Aug 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage MIDDLETOWN VALLEY BANK
May 4, 2026	Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Jan 19, 2023	Deed, Transfer
Jan 19, 2021	Grant Deed, Transfer OLDE TOWNE TITLE COMPANY
Jan 5, 2021	Deed of Trust, Mortgage · FHA Mortgage MLEND
Feb 3, 2020	Grant Deed, Transfer · Construction Mortgage ODEH PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Jan 19, 2023 · Amount on File
Deed Book / Page	7916 / 465
Prior Transfer Date	Feb 8, 2011
Prior Transfer Doc	0040430313
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417

Mortgage

Document Number	0071320001
Date	Oct 24, 2022
Book Page	7132/1

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

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072930016
Date	Aug 3, 2023
Book Page	7293/16

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	May 4, 2026
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Document Number	7916000465
Book / Page	7916 / 465
Instrument Date	Mar 26, 2026
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	TRI-STATE SIGNATURE SETTLEMENTS, TRI-STATE SIGNATURE SETTLEMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,973.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417

Mortgage

Document Number	7916000471,
Date	May 4, 2026
Book Page	7916/471

Lender

Name	CMG MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 19, 2023
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Document Number	0071800029
Book / Page	7180 / 29
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12416 ROCKY FOUNTAIN LN, CLEAR SPRING, MD 21722-1763

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jan 19, 2021
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Document Number	0064870373
Book / Page	006487 / 000373
Instrument Date	Jan 13, 2021
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	OLDE TOWNE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$395.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13100 SAINT PAUL RD CLEAR SPRING MD 217221417, CLEAR SPRING, MD 21722-1417

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Document Number	0064870378
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13100 SAINT PAUL RD CLEAR SPRING MD 217221417, CLEAR SPRING, MD 21722-1417

Mortgage

Document Number	0064870378
Date	Jan 14, 2021
Book Page	006487/000378

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Feb 3, 2020
Property Address	13100 SAINT PAUL RD, CLEAR SPRING, MD 21722-1417
Document Number	0061720276
Book / Page	006172 / 000276
Instrument Date	Jan 30, 2020
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATLANTIC TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7371 ATLAS WALK WAY GAINESVILLE VA 201552992, GAINESVILLE, VA 20155-2992

Mortgage

Document Number	61720280
Date	Feb 3, 2020
Book Page	006172/000280

Lender

Name	ODEH PROPERTIES LLC
Address	12839 ROSE GROVE DR, OAK HILL, VA 20171-1752

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 2, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 13100 Saint Paul Rd was $7,466, up 64.2% 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	$7,466.00 (+64.16%)	$721,100 (+17.79%) Land $85,000 Building $636,100	$721,100 (-) Land $85,000 Building $636,100
2025	$4,548.00 (+5.57%) Homeowner's exemption	$612,167	$721,100 Land $85,000 Building $636,100
2024	$4,308.00 (+5.07%)
2023	$4,100.00	$394,300 Land $85,000 Building $309,300	$394,300 Land $85,000 Building $309,300

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

Flood

FEMA maps place 13100 Saint Paul Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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.

Wildfire

Wildfire risk around 13100 Saint Paul Rd 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 96% of the US · lower than 92% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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