Carroll County property record for 2645 Cletus Dr, Manchester, MD 21102
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,000 sqft · built 2013 |
| Lot Size | 0.318 acres (13,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,515 (Mar 2013) |
| Tax Bill | $6,312 (2025) |
| Deeds & Mortgages | Mar 2023 Second Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-072291 |
| Primary APN | 06-072291 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,000 sqft Total Area |
| Basement Area | 876 sqft |
| Finished Basement | 876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,841 sqft (0.318 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 072291 |
|---|---|
| Street Address | 2645 CLETUS DR |
| City | MANCHESTER |
| State | MD |
| Zip | 21102-1998 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 59 - 13841 SF CLETUS DR 50-60/76 HALLIE HILL FARM SC 2 |
| Legal Subdivision | HALLIE HILL FARM |
| Legal Lot Number | 59 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 6, MANCHESTER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 506101 |
Source: Carroll 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 | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CLEARPATH LENDING |
| Jan 7, 2022 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Jul 15, 2020 | Deed of Trust, Mortgage · Line of Credit NWSB BK |
| Jun 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2013 · Amount on Record |
| Deed Sale | Mar 5, 2013 · Amount on Record |
| Prior Sale | Oct 12, 2012 · Amount on Record |
| Deed Book / Page | 7243 / 137 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0110020083 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 11002/83 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0102020408 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 10202/408 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|---|
| Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Document Number | 0106300237 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 10630/237 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Document Number | 0098110447 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 2645 CLETUS DR MANCHESTER MD 211021998, MANCHESTER, MD 21102-1998 |
| Document Number | 0098110447 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 009811/000447 |
| Name | NWSB BK |
|---|---|
| Address | GETTYSBURG, PA 17325 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2645 CLETUS DR, MANCHESTER, MD 21102-1998 |
| Document Number | 0087180142 |
| Book / Page | 008718 / 000142 |
| Instrument Date | Jun 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2645 CLETUS DR MANCHESTER MD 211021998, MANCHESTER, MD 21102-1998 |
| Document Number | 0087180142 |
|---|---|
| Date | Jun 14, 2017 |
| Book Page | 008718/000142 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 13, 2037 |
Source: Carroll County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Manchester Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $524,400 (+20.11%) | $578,400 (+16.28%) Land $153,200 Building $425,200 | |
| 2025 | $6,312.00 (+7.42%) Homeowner's exemption | ||
| 2023 | $5,876.00 Homeowner's exemption | $436,600 | $497,400 Land $133,500 Building $363,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2001–2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2009 · river or lake flooding |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MANCHESTER serves 4,954 people · EPA ID MD0060006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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