28892 Log Cabin Ln, Westover, MD 21871 Property Records

Somerset County property record for 28892 Log Cabin Ln, Westover, MD 21871

Property Summary

Property Type	Single Family Home
Details	1 ba · 896 sqft · built 1983
Lot Size	1.82 acres (79,279 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Mar 2015)
Tax Bill	$3,374 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit Jan 2021 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`03-054438`

Property Details

APN / Parcel Number

Primary APN	`03-054438`
Alternative APNs	`3054438` `054438`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	79,279 sqft (1.82 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	60 sqft
Balcony Area	384 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	054438
Street Address	28892 LOG CABIN LN
City	WESTOVER
State	MD
Zip	21871-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	1.827 AC-PL 17/105 ON ANNEMESSEX CREEK NW/MARION
Legal Subdivision	ANNEMESSEX CREEK
Jurisdiction	SOMERSET MD
Township / Civil Division	3, BRINKLEYS
Census Block Group	2
Census Block	2004
Census Tract	930500

Owner

28892 Log Cabin Ln is owned and occupied by an individual who bought it in March 2015.

Source: Somerset County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2018	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Jan 22, 2021	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit ORRSTOWN BANK
Feb 4, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2015 · Amount on File
Deed Sale	Mar 3, 2015 · Amount on File
Prior Sale	Oct 14, 2014 · Amount on File
Deed Book / Page	893 / 344
Prior Transfer Date	Jun 3, 2014
Prior Transfer Doc	0008840005
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET MD
Property Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009770166
Date	Feb 1, 2018
Book Page	0977/166
Instrument	0977-166

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 26, 2043

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET MD
Property Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011280297
Date	Jan 22, 2021
Book Page	1128/297

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 14, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET MD
Property Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002

Mortgage

Document Number	0012380128
Date	Jun 14, 2022
Book Page	1238/128

Lender

Name	ORRSTOWN BANK
Type	Bank
Address	SHIPPENSBURG, PA 17257

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET MD
Recording Date	Feb 4, 2022
Property Address	28892 LOG CABIN LN, WESTOVER, MD 21871-4002
Document Number	0012100034
Book / Page	1210 / 34
Instrument Date	Dec 20, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 28892 Log Cabin Ln was $3,374 with a homeowner's exemption, up 3.2% from the year before.

Source: Somerset County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,374.00 (+3.24%) Homeowner's exemption	$298,067 (+5.27%)	$313,000 (-) Land $209,100 Building $103,900
2025	$3,268.00 Homeowner's exemption	$283,133	$313,000 Land $209,100 Building $103,900
2023	$2,914.00	$262,133	$268,200 Land $179,100 Building $89,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28892 Log Cabin Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 76 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	28 (1984–2022)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Dec 2022 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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

Wildfire risk around 28892 Log Cabin Ln is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 95% of Maryland
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bloosurf Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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