14646 Saint Paul Rd, Clear Spring, MD 21722 Property Records

Washington County property record for 14646 Saint Paul Rd, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,228 sqft · built 1990
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Sep 2017)
Tax Bill	$5,181 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-012755`

Property Details

APN / Parcel Number

Primary APN	`04-012755`
Alternative APN	`012755`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,228 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	362 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	012755
Street Address	14646 SAINT PAUL RD
City	CLEAR SPRING
State	MD
Zip	21722-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A(R)
Legal Description	LOT 4 1.01 AC 14646 ST PAUL RD
Legal Subdivision	ST PAULS ROAD
Legal Lot Number	4
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1000
Census Tract	10600

Owner

14646 Saint Paul Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	14646 SAINT PAUL RD, CLEAR SPRING, MD 21722-1131
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2017 · Amount on File
Deed Sale	Sep 11, 2017 · Amount on File
Prior Sale	Aug 6, 1997 · Amount on File
Deed Document Number	20175585-0189
Deed Book / Page	5585 / 189
Record Updated	Oct 29, 2026

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 11, 2017
Property Address	14646 SAINT PAUL RD, CLEAR SPRING, MD 21722-1131
Document Number	0055850189
Book / Page	5585 / 0189
Map Reference	LB978 FO655
Instrument Date	Sep 7, 2017
Instrument	5585-0189
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14646 SAINT PAUL RD, CLEAR SPRING, MD 21722-1131

Mortgage

Document Number	0055850196
Date	Sep 11, 2017
Instrument	5585-0196

Lender

Name	ATLANTIC FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 14646 Saint Paul Rd was $5,181, up 13.3% 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	$5,181.00 (+13.32%)	$494,600 (+13.5%) Land $75,100 Building $419,500	$494,600 (-) Land $75,100 Building $419,500
2025	$4,572.00	$435,767	$494,600 Land $75,100 Building $419,500
2023	$3,308.00	$318,100 Land $75,100 Building $243,000	$318,100 Land $75,100 Building $243,000

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

Flood

FEMA maps place 14646 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 14646 Saint Paul Rd is low, with a 0.02% annual chance of 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saint Paul Rd

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