Garrett County property record for 107 Oak St, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,040 sqft · built 1982 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,085 (2026) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-011027 |
| Primary APN | 05-011027 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,040 sqft Total Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 840 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 011027 |
|---|---|
| Street Address | 107 OAK ST |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-1271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 0.57 AC S/S OAK ST ACCIDENT |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2091 |
| Census Tract | 100 |
Source: Garrett County records, as of July 27, 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 | 107 OAK ST, ACCIDENT, MD 21520-1271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 107 OAK ST, ACCIDENT, MD 21520-1271 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021190498 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 2119/0498 |
| Name | FIRST PEOPLES CFCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 28, 2034 |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| Municipality | Accident Town |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,085.00 (+2.76%) Homeowner's exemption | $170,400 (+38.99%) Land $18,400 Building $152,000 | $170,400 (+38.99%) Land $18,400 Building $152,000 |
| 2023 | $2,029.00 | $122,600 Land $18,400 Building $104,200 | $122,600 Land $18,400 Building $104,200 |
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 February 1, 2019 · 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 | 8 in force |
| Nearby Flood Claims | 2 (1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Claims by Event |
|
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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF ACCIDENT serves 300 people · EPA ID MD0110001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
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