366 Spear Rd, Accident, MD 21520 Property Records

Garrett County property record for 366 Spear Rd, Accident, MD 21520 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,676 sqft · built 2009
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,639 (2026)
Flood Zone	Zone X (minimal risk)
APN	`05-015316`

Property Details

APN / Parcel Number

Primary APN	`05-015316`
Alternative APNs	`5015316` `015316`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,676 sqft Total Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	132,422 sqft (3.04 acres)
Porch	Slab
Porch Area	192 sqft
Deck Area	676 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	015316
Street Address	366 SPEAR RD
City	ACCIDENT
State	MD
Zip	21520-3062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.04 AC E/S SPEAR RD FLATWOODS
Legal Subdivision	RICHARD BOWSER
Jurisdiction	GARRETT MD
Township / Civil Division	5, ACCIDENT
Census Block Group	2
Census Block	2081
Census Tract	100

Owner

Source: Garrett County records · APN 05-015316

Assessment roll updated July 27, 2026 · Last verified August 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	366 SPEAR RD, ACCIDENT, MD 21520-3062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2007
Deed Sale	Sep 05, 2007
Deed Document Number	200771376
Deed Book / Page	1328 / 407
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Garrett County records · Assessment roll updated July 27, 2026 · Last verified August 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
2026	$2,639.00 (+5.31%) Homeowner's exemption	$281,400 (+32.74%) Land $38,000 Building $243,400	$281,400 (+32.74%) Land $38,000 Building $243,400
2023	$2,506.00 Homeowner's exemption	$212,000 Land $30,500 Building $181,500	$212,000 Land $30,500 Building $181,500

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 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.