Garrett County property record for 1678 Cove Rd, Accident, MD 21520
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,344 sqft · built 1997 |
| Lot Size | 45.6 acres (1,986,336 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,084 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-016223 |
| Primary APN | 05-016223 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,986,336 sqft (45.6 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 016223 |
|---|---|
| Street Address | 1678 COVE RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-2023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 45.60 AC N/S COVE RD COVE |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 100 |
Source: Garrett County records · APN 05-016223
Assessment roll updated July 27, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1678 COVE RD, ACCIDENT, MD 21520-2023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 1678 COVE RD, ACCIDENT, MD 21520-2023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020690264 |
|---|---|
| Date | Apr 26, 2018 |
| Book Page | 2069/0264 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MC HENRY, MD 21541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Garrett County records · Assessment roll updated July 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,084.00 (+6.71%) Homeowner's exemption | $217,400 (+32%) Land $43,100 Building $174,300 | $217,400 (+32%) Land $43,100 Building $174,300 |
| 2023 | $1,953.00 Homeowner's exemption | $164,700 Land $34,600 Building $130,100 | $164,700 Land $34,600 Building $130,100 |
Source: FEMA National Flood Hazard Layer as of February 1, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| QCOL Fiber | 10,000 / 10,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 4 locations within half a mile of this property.
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