15428 Cardinal Haven Ln, Clear Spring, MD 21722 Property Records

Washington County property record for 15428 Cardinal Haven Ln, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,176 sqft · built 1969
Lot Size	4.36 acres (189,922 sqft)
Owner	Individual Name on Record
Tax Bill	$2,758 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-006308`

Property Details

APN / Parcel Number

Primary APN	`23-006308`
Alternative APN	`006308`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Total Area
Basement Area	2,760 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	189,922 sqft (4.36 acres)
Garage Type	Detached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	006308
Street Address	15428 CARDINAL HAVEN LN
City	CLEAR SPRING
State	MD
Zip	21722-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC
Legal Description	4.36 ACRES 15428 CARDINAL HAVEN LAN
Jurisdiction	WASHINGTON MD
Township / Civil Division	23, WILSONS
Census Block Group	1
Census Block	1019
Census Tract	11700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Oct 25, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 4, 2022	Deed, Transfer
Nov 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 9, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2004
Deed Sale	Jul 7, 2004
Deed Document Number	200432838
Deed Book / Page	2378 / 737
Prior Transfer Date	May 24, 2004
Prior Transfer Doc	0023780737
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Recording Date	Sep 25, 2026
Property Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Document Number	8023000063
Book / Page	8023 / 63
Instrument Date	Aug 20, 2026
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768

Mortgage

Document Number	8023000063,
Date	Sep 25, 2026
Book Page	8023/63

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2046

Interest

Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON MD
Recording Date	Oct 25, 2022
Property Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Document Number	0071320378
Book / Page	7132 / 378
Instrument Date	Oct 18, 2022
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768

Mortgage

Document Number	0071320383
Date	Oct 25, 2022
Instrument	7132-0383

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2051

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	May 4, 2022
Property Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Document Number	0070040083
Book / Page	7004 / 83
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON MD
Recording Date	Nov 18, 2019
Property Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Document Number	0061150089
Book / Page	006115 / 000089
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	13544 CRESSPOND RD CLEAR SPRING MD 217221511, CLEAR SPRING, MD 21722-1511

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	15428 CARDINAL HAVEN LN, CLEAR SPRING, MD 21722-1768
Document Number	0060650095
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13544 CRESSPOND RD CLEAR SPRING MD 217221511, CLEAR SPRING, MD 21722-1511

Mortgage

Document Number	0060650095
Date	Sep 12, 2019
Book Page	006065/000095

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 11, 2059

Interest

Rate Type	Adjustable Rate

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	$2,758.00 (+5.47%) Homeowner's exemption	$312,200 (+9.25%) Land $98,600 Building $213,600	$312,200 (-) Land $98,600 Building $213,600
2025	$2,615.00 (+5.49%) Homeowner's exemption	$285,767 (+22.7%)	$312,200 (+34.05%) Land $98,600 Building $213,600
2024	$2,479.00 (+7.74%)
2023	$2,301.00 Homeowner's exemption	$232,900 Land $88,600 Building $144,300	$232,900 Land $88,600 Building $144,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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