413 Whispering Wind Rd, Hancock, MD 21750 Property Records

Washington County property record for 413 Whispering Wind Rd, Hancock, MD 21750

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,248 sqft · built 2006
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$121,500 (Sep 2015)
Tax Bill	$1,817 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-023815`

Property Details

APN / Parcel Number

Primary APN	`05-023815`
Alternative APN	`023815`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,248 sqft Total Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	023815
Street Address	413 WHISPERING WIND RD
City	HANCOCK
State	MD
Zip	21750-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	LOT 4 0.206 ACRES 413 WHISPERING WIND RD MOUNTAIN VIEW ESTATES
Legal Subdivision	MOUNTAIN VIEW ESTATES
Legal Lot Number	4
Jurisdiction	WASHINGTON MD
Township / Civil Division	5, HANCOCK
Census Block Group	4
Census Block	4004
Census Tract	10700

Owner

413 Whispering Wind Rd is owned and occupied by an individual who bought it in September 2015.

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

Owner of Record	Individual Name on File
Mailing Address	413 WHISPERING WIND RD, HANCOCK, MD 21750-1004
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

Date	Document
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage CNB BANK INC
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit CNB BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2015 · Amount on File
Deed Sale	Sep 14, 2015 · Amount on File
Prior Sale	Sep 3, 2004 · Amount on File
Deed Book / Page	5060 / 239
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	413 WHISPERING WIND RD, HANCOCK, MD 21750-1004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058510426
Date	Oct 12, 2018
Book Page	5851/0426

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MD
Property Address	413 WHISPERING WIND RD, HANCOCK, MD 21750-1004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058510446
Date	Oct 12, 2018
Book Page	5851/0446

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 5, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 413 Whispering Wind Rd was $1,817, up 13% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Hancock Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,817.00 (+13%)	$199,400 (+12.95%) Land $29,000 Building $170,400	$199,400 (-) Land $29,000 Building $170,400
2025	$1,608.00	$176,533	$199,400 Land $29,000 Building $170,400
2023	$1,196.00	$130,800 Land $29,000 Building $101,800	$130,800 Land $29,000 Building $101,800

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

Flood

FEMA maps place 413 Whispering Wind Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 14, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 413 Whispering Wind 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF HANCOCK serves 1,921 people · EPA ID MD0210012
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Upward Broadband.

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