Garrett County property record for 2290 Cove Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,026 sqft · built 1975 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Aug 2019) |
| Tax Bill | $2,351 (2023) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-004543 |
| Primary APN | 05-004543 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,026 sqft Total Area |
| 1st Floor Area | 2,026 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 51,836 sqft (1.19 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 453 sqft |
| Patio Area | 261 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 004543 |
|---|---|
| Old Parcel Number | 5004543 |
| Street Address | 2290 COVE RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.19 AC N/S COVE RD HILEMAN RIDGE |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 100 |
2290 Cove Rd is owned and occupied by an individual who bought it in August 2019.
Source: Garrett County records, as of September 20, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2290 COVE RD, ACCIDENT, MD 21520-2027 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2019 · Amount on File |
| Deed Sale | Aug 14, 2019 · Amount on File |
| Prior Sale | Nov 23, 1998 |
| Deed Document Number | 0000214914 |
| Deed Book / Page | 2149 / 14 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Aug 14, 2019 |
| Property Address | 2290 COVE RD, ACCIDENT, MD 21520-2027 |
| Document Number | 0021490014 |
| Book / Page | 2149 / 0014 |
| Instrument Date | Jul 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2290 COVE RD, ACCIDENT, MD 21520-2027 |
| Document Number | 0000214921 |
|---|---|
| Date | Aug 14, 2019 |
| Instrument | 2149/21 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.5% |
Source: Garrett County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,351.00 | $198,800 Land $23,700 Building $175,100 | $198,800 Land $23,700 Building $175,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2290 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 2290 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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