3096 Old Morgantown Rd E, Accident, MD 21520 Property Records

Garrett County property record for 3096 Old Morgantown Rd E, Accident, MD 21520

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,205 sqft · built 1998
Lot Size	1.75 acres (76,230 sqft)
Owner	Individual Name on File
Last Sale	$151,600 (Apr 2026)
Tax Bill	$1,450 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-021129`

Property Details

APN / Parcel Number

Primary APN	`02-021129`
Alternative APN	`021129`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,205 sqft Total Area
Utility Area	276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	76,230 sqft (1.75 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	133 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	021129
Street Address	3096 OLD MORGANTOWN RD E
City	ACCIDENT
State	MD
Zip	21520-2157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.75 AC S/S OLD MORGANTOWN RD E HILEMAN RIDGE
Jurisdiction	GARRETT MD
Township / Civil Division	2, FRIENDSVILLE
Census Block Group	2
Census Block	2026
Census Tract	100

Owner

3096 Old Morgantown Rd E is owned and occupied by an individual who bought it in April 2026.

Source: Garrett County records, as of April 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3096 OLD MORGANTOWN RD E, ACCIDENT, MD 21520-2157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Apr 16, 2026	Deed, Transfer · Conventional Mortgage FIRST OH COMMUNITY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Prior Sale	Sep 30, 1998 · Amount on File
Deed Book / Page	2678 / 485
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	3096 OLD MORGANTOWN RD E, ACCIDENT, MD 21520-2157
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023450480
Date	Aug 31, 2021
Book Page	2345/480

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 16, 2026
Property Address	3096 OLD MORGANTOWN RD E, ACCIDENT, MD 21520-2157
Document Number	0026780485
Book / Page	2678 / 485
Instrument Date	Apr 14, 2026
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153,116.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3096 OLD MORGANTOWN RD E, ACCIDENT, MD 21520-2157

Mortgage

Document Number	2678000490,
Date	Apr 16, 2026
Book Page	2678/490

Lender

Name	FIRST OH COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3096 Old Morgantown Rd E was $1,450 with a homeowner's exemption.

Source: Garrett County assessment roll, as of August 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,450.00 Homeowner's exemption	$131,667	$151,600 Land $23,200 Building $128,400
2023	$1,403.00 Homeowner's exemption	$117,633	$121,700 Land $23,200 Building $98,500

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

Flood

FEMA maps place 3096 Old Morgantown Rd E 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	Severe Storms And Flooding, Jan 1996 · 2 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 3096 Old Morgantown Rd E 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 67% of the US · above 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
QCOL Fiber	10,000 / 10,000

Cell Coverage

5G (outdoors only) and 4G LTE

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