Garrett County property record for 2218 Cove Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,016 sqft · built 1978 |
| Lot Size | 3.87 acres (168,577 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $2,944 (2026) |
| Deeds & Mortgages | Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-009421 |
| Primary APN | 05-009421 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,016 sqft Total Area |
| Basement Area | 1 sqft |
| Finished Basement | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 168,577 sqft (3.87 acres) |
| Garage Type | Mixed |
| Garage Area | 1,848 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 104 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 009421 |
|---|---|
| Street Address | 2218 COVE RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.87 AC N/S COVE RD COVE RUN |
| Legal Subdivision | COVE RUN |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 100 |
2218 Cove Rd is owned by a company that acquired it in August 1995 and is owner-occupied.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2218 COVE RD, ACCIDENT, MD 21520-2027 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 1995 |
| Deed Sale | Aug 30, 1995 |
| Deed Document Number | 19959215 |
| Deed Book / Page | 659 / 816 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 2218 COVE RD, ACCIDENT, MD 21520-2027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0025350050 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 2535/50 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 2218 Cove Rd was $2,944 with a homeowner's exemption.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,944.00 Homeowner's exemption | $315,500 Land $36,300 Building $279,200 | $315,500 Land $36,300 Building $279,200 |
| 2023 | $2,794.00 Homeowner's exemption | $236,700 Land $27,800 Building $208,900 | $236,700 Land $27,800 Building $208,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2218 Cove Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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.
Wildfire risk around 2218 Cove Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| QCOL Fiber | 10,000 / 10,000 |
May also be available: T-Mobile.
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