13138 Independence Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 13138 Independence Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1988
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jan 2003)
Tax Bill	$335 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-013789`

Property Details

APN / Parcel Number

Primary APN	`23-013789`
Alternative APN	`013789`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Total Area
Basement Area	608 sqft
Finished Basement	608 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	154 sqft
Deck Area	139 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	013789
Street Address	13138 INDEPENDENCE RD
City	CLEAR SPRING
State	MD
Zip	21722-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC
Legal Description	LOT 12 1.25 ACRES 13138 INDEPENDENCE RD
Legal Subdivision	MCMULLAN-GRAVES FARM
Legal Lot Number	12
Jurisdiction	WASHINGTON MD
Township / Civil Division	23, WILSONS
Census Block Group	1
Census Block	1024
Census Tract	11700

Owner

Source: Washington County records, as of August 18, 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	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 21, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Oct 4, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2003 · Amount on Record
Deed Sale	Jan 9, 2003 · Amount on Record
Prior Sale	Dec 17, 1992 · Amount on Record
Deed Document Number	200324782
Deed Book / Page	1905 / 411
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525

Mortgage

Document Number	0078840094
Date	Mar 23, 2026
Book Page	7884/94

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 6, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065950092
Date	Apr 21, 2021
Book Page	6595/92

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jan 1, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13138 INDEPENDENCE RD, CLEAR SPRING, MD 21722-1525

Mortgage

Document Number	0071170302
Date	Oct 4, 2022
Book Page	7117/302

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 6, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 4, 2025

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		$313,100 (+11.28%) Land $67,500 Building $245,600	$313,100 (-) Land $67,500 Building $245,600
2025	$335.00 (-61.54%) Homeowner's exemption	$281,367 (+29.13%)	$313,100 (+43.69%) Land $67,500 Building $245,600
2024	$871.00 (-53.37%)
2023	$1,868.00 Homeowner's exemption	$217,900 Land $57,500 Building $160,400	$217,900 Land $57,500 Building $160,400

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 80% of the US · above 41% 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.

Internet Providers

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 Cable	1,300 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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