198 Bear Cub Cir, Accident, MD 21520 Property Records

Garrett County property record for 198 Bear Cub Cir, Accident, MD 21520 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,088 sqft · built 1995
Lot Size	4.27 acres (186,001 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Dec 2001)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-015634`

Property Details

APN / Parcel Number

Primary APN	`05-015634`
Alternative APNs	`5015634` `015634`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	186,001 sqft (4.27 acres)
Porch	Porch
Porch Area	232 sqft
Deck Area	232 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015634
Street Address	198 BEAR CUB CIR
City	ACCIDENT
State	MD
Zip	21520-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.27 AC LOT 2 SECT II BEAR CREEK FOREST SUB
Legal Subdivision	BEAR CREEK FOREST SUB
Legal Lot Number	2
Jurisdiction	GARRETT MD
Township / Civil Division	5, ACCIDENT
Census Block Group	2
Census Block	2049
Census Tract	100

Owner

Source: Garrett County records · APN 05-015634

Assessment roll updated August 12, 2025 · Last verified April 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	PO BOX 23, ACCIDENT, MD 21520-0023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 18, 2001 · Amount on Record
Deed Sale	Dec 18, 2001 · Amount on Record
Prior Sale	Jul 17, 1992 · Amount on Record
Deed Document Number	20012142
Deed Book / Page	871 / 168
Last Transfer Date	Feb 07, 2013
Transfer Doc	0017210228
Record Updated	Jun 08, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	198 BEAR CUB CIR, ACCIDENT, MD 21520-2223
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021010209
Date	Oct 23, 2018
Book Page	2101/0209

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Garrett County records · Assessment roll updated August 12, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2025	$1,578.00 (+3.82%) Homeowner's exemption	$149,867 (+17.45%)	$161,000 (+26.18%) Land $36,900 Building $124,100
2023	$1,520.00 Homeowner's exemption	$127,600 Land $34,900 Building $92,700	$127,600 Land $34,900 Building $92,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Garrett County (24023C), updated February 1, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240230001002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 8 individual NFIP policies nearby
Nearby Flood Policies	8 in force 6 of 8 on primary residences
Nearby Flood Claims	2 (1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996, river or lake flooding, Severe Storms And Flooding
Flood Events	Severe Storms And Flooding (Jan 1996), 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,571 per year
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.